{{WE GIVE}}

I LOVE my job and I LOVE real estate,  but, above all I LOVE seeing a life touched by the love and kindness of others and being able to be a part of it. I truly believe THERE’S MORE TO LIFE than what’s going on in “My World” and I have been challenged to look outside those walls and ask myself how can I help?       

 

 

So, when you buy or sell a home with me, Lacey Forward, I will automatically set aside a portion of my commission to be dispersed to various aid organizations throughout Canada and the world.  At the end of a successful sale you and your family will be able to decide which cause the funds will be dispersed to from the choices below and the funds will be distributed through our foundation “the Dusty Shoes Foundation.”  

So join me in striving towards something greater than ourselves.   Together we can make a difference!

I Am Currently Supporting Three Causes:

Canadian - Sexual Human Trafficking: Deborah's Gate

International - Sustainable Living

International - Watoto: Living Hope 

For more information on my giving through the Dusty Shoes Foundation or for detailed information any of these organizations please click here to visit my web-site.

As always, if you have any questions, feel free to give me a call at any time: 

(604) 910.LACE (5223)

{{WE FINANCE}}

*FINANCING OPTIONS EXCLUSIVELY FOR CLIENTS OF LACEY’S & WESTRIDGE REALTY*


My clients have found the We Trade Homes option of great value in purchasing or selling their properties. I always encourage my clients not to overlook the other great financing options we also offer. Often a little help is all that is needed to turn your dream into reality and in the process save you lots of cash!

What if My Trade Option is Not For You?
You may wish to consider my interim financing option. I can tailor a plan to your needs and budget. This will aid in completing your sale or purchase and avoid any disappointment caused by buying with a “subject clause.” I offer more options than with traditional banks and without the expense and red tape.

Save CMHC Fees
In many cases my clients find that with only a small supplement to their cash equity they can arrange for conventional financing rather than with CMHC. This option can save you many thousands of dollars in mortgage fees that may not be possible through other realtors or lenders.

Purchase With a Partner
I do not offer this option to everyone, but this is an option that I offer to a few select clients each year. I invest the down payment, and rather than a loan, I may partner in sharing the equity for your first purchase. If you feel that home prices are getting away from you faster than you can save the required down payment, then this amazing option may be just what you are looking for.

Financial Challenges
From time to time clients find themselves in some tight financial spots through unforeseen and unfortunate circumstances. Give me a call. I have provided a number of solutions to help in keeping the wolf from the door. This can range from cashing you out on your property or providing easy financing to satisfy creditors until your property is sold. When challenges strike give me a call.

Tailor Made Options
I am in the habit of creating solutions. Bring your real estate needs to me. and see what I can do to assist you. In most cases I should be able to provide a solution to whatever challenge you may have. I have been specializing in creative forms of financing, and have many satisfied clients to prove it.

When you are thinking of moving you owe it to yourself to at least find out the details of this amazing offer.

All of the above features offer my clients superior real estate service, a faster sale and more money in your pocket.

You never know until you ask, it's at least worth a phone call.
Call (604) 910.LACE (5223).

MORTGAGE UPDATE and DEBT CONSOLODATION

Hello my Faithful Blog Readers!

I came across this write up from one of the amazing mortgage advisors I work with and thought I would let you in on it.  It covers where things are currently at with interest rates and lets you know about some of the FREE services that we provide to help you save money. 
 
 
A NOTE FROM BJ BLOCK -  http://bjblock.mortgagebrokerteam.ca/

Rate News – One of the most asked questions we’ve received lately is regarding interest rates, and where they’re headed.  While its impossible to predict the future, one of the key indicators we pay close attention to is policy set by the US Federal Government.  Ben Bernake, U.S. Federal Chairman confirmed recently that the exceptionally low interest rates in the US will last for an ‘extended period of time’.  Though the Canadian economy is in considerably better shape, most analysts predict that we won’t see any movement in our Prime rate until the announcement on July 19th.  Even if rates begin to rise, we don’t expect them to rise too quickly or too aggressively.  For this reason we are still recommending variable rate mortgages to our clients who qualify, while maintaining options to ‘fix’ at any time for long term planning.

Debt Consolidation - The debt load the average house hold carries has garnered significant press recently.  I’m often surprised by how many clients continue to carry high balances on credit cards and student loans when there is equity in their home they can access.  Whether it be a Line of Credit, or a small second mortgage, there are a variety of products available for people who have equity in their home to consolidate debt.  I recently went through this process with my mortgage and took out a small home equity line of credit to consolidate some of our debt.  By doing so I’ve saved nearly 15% in interest, and have been able to manage and pay down debt much easier.

Call me today and allow us to see if we can help you save some money and put a plan together specifically for you.

What are you waiting for? It’s worth a phone call at least......

604-910-LACE (5223)
www.homeswithlacey.com 

 

IMPORTANT *HST* NEWS

An important vote is coming shortly. Speak up with your views. Note [this survey is not my survey, and it is submitted directly to those in the Government that need to hear your input]

PASS THIS EMAIL ALONG TO ANY INTERESTED PARTIES – THIS IS IMPORTANT!

Should the HST be reduced on home purchases?
Should the overall rate be reduced?
If you have strong feelings on the HST... now is your chance to express them.

This weekend is the final weekend prior to the referendum in June to participate in the BC government's survey seeking input on improving the HST.
Please take a few minutes to complete this brief survey,
It closes on Monday, May 16.
Thank you to BCREA for forwarding!

PS/ Contact me if you have any questions regarding the HST, and how it impacts you and your real estate. This may aid you when you are completing the survey.

CALL 604-910-LACE (5223)

{ Mortgage Update and Debt Consolidation }

Hello Faithful Blog Readers!

  I came across this write up from one on my amazing mortgage advisors BJ Block and thought I would let you in on it.  It covers where things are at currently with interest rates and lets you know about one of the FREE services we provide to help you save money.  I encourage you to call me @ 604-910-LACE (5223) should you have any questions or if you would like some more information.
 

A NOTE FROM BJ - http://bjblock.mortgagebrokerteam.ca/ 

Rate News – One of the most asked questions we’ve received lately is regarding interest rates, and where they’re headed.  While its impossible to predict the future, one of the key indicators we pay close attention to is policy set by the US Federal Government.  Ben Bernake, U.S. Federal Chairman confirmed recently that the exceptionally low interest rates in the US will last for an ‘extended period of time’.  Though the Canadian economy is in considerably better shape, most analysts predict that we won’t see any movement in our Prime rate until the announcement on July 19th.  Even if rates begin to rise, we don’t expect them to rise too quickly or too aggressively.  For this reason we are still recommending variable rate mortgages to our clients who qualify, while maintaining options to ‘fix’ at any time for long term planning.

Debt Consolidation - The debt load the average house hold carries has garnered significant press recently.  I’m often surprised by how many clients continue to carry high balances on credit cards and student loans when there is equity in their home they can access.  Whether it be a Line of Credit, or a small second mortgage, there are a variety of products available for people who have equity in their home to consolidate debt.  I recently went through this process with my mortgage and took out a small home equity line of credit to consolidate some of our debt.  By doing so I’ve saved nearly 15% in interest, and have been able to manage and pay down debt much easier.

I encourage you to take us up on this offer.  Should you have any debt allow us to see if we can help save you some money.  REMEMBER It’s not always about how much money you have but it’s how you manage it and what you do with it!
 

What are you waiting for? It’s worth a call......
 

604-910-LACE (5223)

www.homeswithlacey.com   

{{The Three In One DIY Project}}

Ok, you're going to love this one...I promise.  It combines two of my favourite things: burlap (or in your case, maybe a fabric you L O V E) and creativity. And just in case you're wondering I have lots of both!

In my never-ending search to find you some awesome and creative home decor ideas I came across a a bulletin board makeover done two ways...and I thought I would share them both with you.  The reason I liked them is because they do TRIPLE duty, three in one, yep, that's my kind'a deal!

1. They are pretty - we all need some pretty in our house
2. They are practical - they are functional and will help keep you organized
3. They take up wall space and can easily be "art" - and lets face it, artwork is expensive, so this is great!

The first one is from "Hodge Podge" - a local Vancouver blog....Barbara does some awesome DIY projects, including recovering a bulletin board with burlap.  Check it out:

To see how she did it step by step follow this link:

http://hodgepodge-babselou.blogspot.com/2010/04/burlap-bulletin-board.html

The next one is from Canadian designer Sarah Richardson, and was recently featured on an episode of her show "Sarah 101":

An inexpensive mirror (let's think Sally Anne, Value Village or Craigslist!) was removed from it's frame and then fabric was glued to foam core and re-inserted into the frame.  Beautiful, practical and fills up the wall space perfectly.

Both versions of the DIY bulletin board are simple, practical and easy to do.  They also add a bit of character and interest to your home that you can easily take with you if you ever decide to move.  And if moving is in your near future, don't hesitate to give me a call!

*Lacey

{{Trade Program}}

Over the next little while I would like to share about some of the amazing programs that I offer to my clients. Let’s just say I don’t just put a sign on the lawn. We Trade Homes, We Finance, and We Partner. What do I mean by this? Continue to read and I will tell you....

    

“WE TRADE HOMES”

 

This common question is always asked: "How does it work?"

To be fair, this is not a service that most realtors commonly offer their clients. The main reason is, realtors usually are not willing to take the risk. 

At Westridge Realty, I, Lacey Forward, offer this service to my valued clients to make your real estate needs simpler and thereby removing risk to my clients! Hopefully the following will give you a brief overview of how this amazing service works.

1.  Have Lacey Forward represent you as your Buyer’s Agent.

2.  Place an offer to purchase on a Westridge Realty Co. listing.

    Lacey will prepare an accurate market evaluation for your existing   property.

3.  List your existing property with Westridge Realty Co. on the MLS service.

4. If your property fails to receive an accepted offer to purchase within 30 days from the listing date, then you will receive a pre-determined “Guaranteed” price for your property. The worry and inconvenience of waiting for an offer on your property is now removed.

 

My clients have found the trade program to be a valuable asset and service for the following reasons.

 

·          Take the uncertainty out of moving.  Most buyers make an offer on their dream home “ Subject to the sale of their existing property.” What generally happens is another party without property to sell, makes a competing offer and then your offer to purchase falls apart. You are now back to square one. Avoid this disappointment by trading.

·          Some buyers chose to buy non subject, and then obtain interim financing. This is costly and you run the risk of owning Two Properties. Trading removes this expense.

·          Sellers when entertaining offers want to know that their property is sold. Many wont’ accept a buyers “Subject Offer”.  I am usually able to negotiate a better purchase price for my client, based on the fact that the sellers are certain of a sale.

·          Your existing property gains better exposure to the buying public because they have the option of also “Trading” and they know that a trade property is priced right on the market by a motivated seller. 

·          When I receive an offer on your existing property, I can once again offer this amazing service, so that you may receive an offer without the subject to sale clause!

·          Perhaps you wish to build a NEW HOME and you don’t want to move twice. Trading may offer you the advantage of remaining in your existing property until your new home is complete. This can avoid the cost and inconvenience of calling the movers twice and renting interim accommodation.

 

When you are thinking of moving, you owe it to yourself to at least find out the details of this amazing offer!

 

All of the above features offer my clients superior real estate service, a faster sale, and more money in your pockets.

 

Some flexibility and certain restrictions may apply. You never know until you ask. It is worth at least a phone call. 

604-910-LACE (5223)