WAY TO GO DEBRA KING IN ACHEIVING TOP PRODUCER STATUS AT CIR REALTY FOR THE MONTH OF FEBRUARY!!!! THIS IS NO SMALL FEAT IN A BROKERAGE OF OVER 700 REALTORS!

WE AT CIR REALTY IN SUNDRE WANT TO CONGRATULATE YOU AND HOPE(KNOW) THIS WON'T BE THE LAST TIME IN 2019!!

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HAPPY NEW YEAR EVERYONE!!!!!!

FROM ALL THE REALTORS AT THE SUNDRE CIR REALTY OFFICE!

ALL OF THE REALTORS AT CIR REALTY IN SUNDRE ARE LOOKING FORWARD TO HELPING YOU WITH ANY, AND ALL, YOUR REAL ESTATE NEEDS IN THE COMING YEAR! WHETHER IT'S A HOME IN TOWN, AN ACRESGE, A FARM, OR A COMMERCIAL PROPERTY IN SUNDRE OR THE SURROUNDING COUNTY(S), THE REALTORS AT CIR REALTY ENDEAVOR TO GO ABOVE AND BEYOND TO HELP YOU WITH YOUR SALE OR PURCHASE OF THAT NEXT "PERFECT" PROPERTY!

STOP BY THE CIR REALTY OFFICE ON CENTRE STREET IN SUNDRE AND FEEL THE DIFFERENCE THAT A TRULY PROFFESSIONAL REALTOR CAN MAKE!

BECAUSE NICE MATTERS!

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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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