Congratulations DEBRA KING for acheiving TOP PRODUCER status again!!

Finishing in the top ten REALTORS for the CIR REALTY'S NW office is something to be proud of DEB!

Continued success in your REAL ESTATE career in SUNDRE!

Way to go!

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Congratulation DANIEL WEBSTER on acheiving TOP PRODUCER status with the CIR REALTY NW office for November!

Finishing in the top ten is no small feat for a REALTOR in the LARGE, competitive CIR Realty NW Calgary office and for someone from the small town of SUNDRE to pull it off is nothing short of AMAZING!

Congrats DAN!

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The end of November is drawing near and my Darlin' is already in the Christmas spirit. I guess if you know her you'd probably think she's always ready to party!

Speaking of parties, Sundown in SUNDRE is gettin' close so be prepared....Christmas will happen before you know it!

There's still time to get into your NEW HOME in SUNDRE for Christmas so stop in and see one of the many EXPERIENCED REALTORS in the CIR REALTY office on CENTRE STREET N and we're sure to be able to help you with your next REAL ESTATE transaction!

Whether you're BUYING or SELLING REAL ESTATE of any kind, be it an ACREAGE, COMMERCIAL, FARM LAND, or a HOME in SUNDRE and surrounding area, give the REALTORS at CIR REALTY a chance to show you the difference it makes to work with a GREAT CIR AGENT for ALL things REAL ESTATE!!!

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CONGRATULATIONS DEBRA KING FOR ACHIEVING "TOP PRODUCER" STATUS AT CIR REALTY FOR THE MONTH OF OCTOBER, 2018!


YOU JUST KEEP HITTING IT OUTTA THE PARK IN THESUNDRE REAL ESTATE WORLD!

FROM ALL OF US AT CIR REALTY IN SUNDRE.....YOU ROCK!

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CIR REALTY in SUNDRE wishes everyone a safe Remembrance Day long weekend! Please be careful on the road this wekend. AND .... if you see some REAL ESTATE that interests you in your travels, give the experts at CIR REALTY in SUNDRE a call and we'd be happy to help you out with any and all your REAL ESTATE needs!
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Congratulations KEVIN BARGHOLZ for achieving TOP PRODUCER status in the CIR REALTY NW office for AUGUST 2018.

We're proud of you and your contribution to the REAL ESTATE world in SUNDRE and we're happy to have you as part of the SUNDRE CIR REALTY office!

Keep up the good work Kevin!

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CONGRATULATIONS BEVERLY MCCARTHY for acheiving TOP PRODUCER status for the month of June in the CIR REALTY Northwest office!

Bev is just one of the great REALTORS of the SUNDREHOMETEAM @ CIR Realty in SUNDRE!

Stop in and say HI to Bev and the rest of the crew!

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The long debate of Variable vs. Fixed.  We have some answers that may hep you and your clients decided which option is best.

 

Variable vs. Fixed is Two Bets

 

#1 Interest expense – Currently there is a 1% difference between variable and fixed.  As long as it takes Bank of Canada to move up .25% at a time you have saved the money.  Bank of Canada would have to increase 9+ times.

#2 Payout Exposure – In a 5 year fixed with ever Charter Bank and Credit Union the Penalty Math is approx. 4.5% penalty on the mortgage.  So on a $400,000 mortgage that costs the client $18,000.  6 out of 10 Canadians break their mortgage.  A Variable Penalty works out to .5% of the penalty.

 

Difference = $16,000

 

Just on the payout penalty alone we have been able to save them $16,000 in penalty charges with this option.  Plus any money they would have saved while making payments at the lower interest rate.  This is very important for you the realtor.  Say you have a client who wants to sell their property and find a new one.  But the new property wont work for porting  mortgage (maybe it is out of province, a different type of property or many other scenarios) it could kill the deal for you if the client has a $18,000 penalty vs. a $2000.00 penalty.  This is important information for the client to understand and the banks aren’t going to share this with you because it cuts into their products.  I will be sure to explain it so they understand the risks and the rewards.

 

5 year variable rate is at Prime -.1.00%

5 year fixed is 3.44%

 

 

 

 
 

 

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THE SUNDRE HOME TEAM WOULD LIKE TO WELCOME JEAN JONES TO OUR OFFICE.

JEAN IS A NEW REALTOR AND READY TO WORK!

COME ON IN AND MEET JEAN AS SHE BEGINS HER NEW CAREER!!

WELCOME JEAN!!!

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Fianally! There is now only one CIR REALTY OFFICE IN SUNDRE. THE OFFICE AT 102 CENTRE STREET N IS THE OFFICE FOR CIR REALTY AND HOPEFULLY, IT WILL BE YOUR OFFICE OF CHOICE FOR ALL YOUR REAL ESTATE NEEDS IN THE SUNDRE AREA.

WE LOOK FORWARD TO SEEING YOU SOON!

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Hi Everyone,

Thanks to you... 2017 was a fantastic year!
 
One of our 2017 goals was to increase our market share lead over the #2 brokerage. As you can see, we accomplished this goal in a BIG way! But right from the start we knew the cards were stacked in our favor. We have the very best Realtor Group in the industry, the best Support Staff, the best Management Team and the best Partners and Preferred Suppliers. We have the TEAM that is genuinely hard to beat.   
 
So as you can probably guess, one of our 2018 goals is to increase our market share lead even further.
 
During 2017 CIR grew by 52 Realtors, and one of our goals this year is to grow by 52 Realtors once again. Can I ask for your help on this? Your industry connections and your strong reputation can make all the difference in helping us attract the high caliber people we want to see on Team Blue.  
 
And don't forget, many of you already know that we want to establish a 5th Calgary Office. This new office will be in the far south part of Calgary - south of Fish Creek Park and close to Macleod Trail. And just like your current 4 Calgary offices, this 5th office will be available to you 24/7/365.... another big advantage to you and your clients. But one vitally important condition before we can open this new office: Team Blue must become 750 Realtors strong. If we grow by 52 Realtors we WILL reach this goal!  
 
 
And let me finish by saying..... if there is anything that we can do to help you achieve your 2018 goals, just let us know. We are always here for you. Your success is our success. All the best!
 
 
Ron  
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We, at CIR REALTY on Centre Street in SUNDRE, want to wish all our REAL ESTATE BUYERS AND SELLERS, both past and present, and future, a spectacular year in 2018!

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CONGRATULATIONS TEAM BLUE

The votes have been tallied and YOU were selected as a favourite in the Calgary Herald Reader's Choice Awards

As a winner in the "favourite real estate company" category, CIR REALTY was given the opportunity to have an article written about us, and an ad published in a special edition of the paper which will be printed and distributed this Sunday.

Our ad and story also appear in The Calgary Herald online. We encourage you to read it and share it using the link on our CIR Facebook Page - https://www.facebook.com/cirrealty/ 

Should you wish to share images of our winning ad, we have included them for you in this email (see attached).

THANK YOU to everyone who voted & encouraged friends, family and clients to vote as well.

 
 
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The REALTORS at the SUNDREHOMETEAM on Centre Street N in SUNDRE would like to send out a huge shout out to DEBRA KING for finishing #4 for the CIR REALTY NW Office in November!

Congratulations DEBRA KING for your effort and for acheiving TOP PRODUCER status once again!

SUNDRE and area REAL ESTATE is always better off with REALTORS like you DEBRA, and ALL the REALTORS at THE SUNDRE HOME TEAM!

Check out our web site a www.sundrehometeam.com for more info on REAL ESTATE in SUNDRE and the surrounding area.

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It' a Monday in SUNDRE and REAL ESTATE is what we at the SUNDRE HOME TEAM do best so we invite anyone who's in the market, both BUYERS and SELLERS, to stop in to our CIR REALTY office on CENTRE STREET N in Sundre and have a coffee and discuss your REAL ESTATE needs with one of the Professional REALTORS here at the SUNDRE HOME TEAM.

Check out our web site @ www.sundrehometeam.com!

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Christmas is coming but there's still time, if you hurry, to get that new HOME bought before the mortgage rules change in the new year.

we, at the SUNDRE HOME TEAM can make that new HOME a reality for you.

Stop in and see how the REAL ESTATE team at CIR REALTY in SUNDRE can make things happen for your new HOME in time for Christmas!

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Well, November's half gone and Sundre looks like winter. Bring on the Chinooks! The REAL ESTATE market has cooled somewhat and some prices on HOMES and ACREAGES have leveleled off or even decreased slightly in the SUNDRE and area REAL ESTATE world.

The old REAL ESTATE MARKETING slogan "IF IT'S PRICED RIGHT, IT WIL SELL' still rings true in the SUNDRE REAL ESTATE market as we are seeing HOMES and ACREAGES moving depending on how they're priced. We at THE SUNDRE HOME TEAM have even seen 1 ACREAGE recently sell for $25,000 over list price!

This is an exception to what the rest of the real estate MARKET in SUNDRE and area is doing at the moment but, hey, who knows, it CAN still happen!

The REALTORS at the SUNDRE HOME TEAM are optimistic when it comes to SUNDRE REAL ESTATE activity for the balance of 2017 and the furure of REAL ESTATE in SUNDRE and area in the coming 2018 REAL ESTATE season!

Stop in for coffee @ our CENTRE STREET N location and have a chat with one of the professional REALTORS from the SUNDRE HOME TEAM.

We at CIR REALTY in SUNDRE strive to be the best at what we do! That's helping you market your HOME, or, WE can  help you find that 'PERFECT' new HOME, ACREAGE or FARM. We at the SUNDRE HOME TEAM can also facilitate you COMMERCIAL transactions.
CIR REALTY- "BECAUSE A GREAT EXPERIENCE BEGINS WITH A GREAT AGENT!"

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IF YOU'RE IN THE MARKET FOR REAL ESTATE AND SUNDRE IS YOUR DESTINATION OF CHOICE, BE PREPARED! THE MARKET MAY BE HOT FOR REAL ESTATE BUT JACK FROST HAS SET IN..........HARD!!

DON'T LET THE TEMPERATURE DETER YOU IN YOUR QUEST FOR THE PERFECT HOME OR PIECE OF LAND 'CAUSE THE REAL ESTATE ASSOCIATES AT THE 'SUNDRE HOME TEAM' ARE READY TO ANSWER ALL YOUR REAL ESTATE QUESTIONS, THE OFFICE AT CIR CENTRE STREET IS ALWAYS WARM AND THE COFFEE'S ALWAYS FRESH!

STOP IN AND VISIT THE 'SUNDRE HOME TEAM' TODAY!

YOUR NEW HOME MAY BE CLOSER THAN YOU THINK!

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CIR REALTY Real Estate Review for Calgary and Surrounding Area - November, 2017
 


Market Summary

As Albertans we tend to have higher expectations as to what a good market looks like compared to a bad one. We are so used to full steam ahead, that when we see a slow down, it feels like a snails pace. Our market in October continues to slow coming into the Winter months which feels like the brakes have been hit hard. With a climbing inventory due to more listings coming onto the market, and sales declining, the average days on market has climbed to 50 days. Even with the market slowing, prices remain stable in most sectors and the market is just slightly weighted towards a buyers market.

Our CREB Chief Economist Anne-Marie Lurie was quoted,  “While economic activity has improved in 2017, it will take some time for this to translate into housing market growth. There have been employment gains, but most of this has occurred in areas with traditionally lower income. We also continue to face weak migration, higher lending rates and changes to lending policy. The combination of these factors is impacting housing demand, which is prolonging the pace of recovery."

What is interesting about Ann-Maries comments, and Octobers market, is that the inventory between $600,000 and $1,250,000 continues to see an uptick in sales compared to October of 2016. The slow down month over month continues to be in the lower price points. This could be due to existing homes owners taking advantage of a great market to upgrade, and first time buyers being more reluctant.

With everything going on in our economy, and the world today, consumer confidence continues to be what is fuelling our markets. There is no such thing as the perfect market to make a move in, timing is all about when it makes sense for an individual or family and their situation. All we can ever do is make an educated decision relevant to personal circumstances. It is important to evaluate every micro market with in our macro market across the Calgary Real Estate Board to determine if the timing is right for personal circumstances.
 
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IMPORTANT and TIMELY For your upcoming SELLERS 

Starting November 1st, the new price point for a residential listing to qualify for Luxury Portfolio has decreased in our market and now will be $935,000 CAD (compared to $989,000 the previous year). If a listing is under this price point, it will NOT appear on luxuryportfolio.com and will not qualify to receive the black CIR Luxury Portfolio sign.  

Please also keep in mind that for any of your truly exceptional properties that are priced just under your threshold, Luxury Portfolio is happy to review and potentially make an exception for such listings.

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The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
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