Draginja - Draga Kapetanovic

12/01/2024

Who Should Be on the Mortgage for Your Multigenerational Home?

Splitting a mortgage with others can significantly reduce your individual burden of homeownership. That’s one big reason why more and more people are embracing multigenerational living these days!

But before you jump into a shared mortgage, there are some key points to discuss with your family and lender:

📝 Mortgage Structure
Evaluate what type of mortgage is best for your family. Joint tenancy splits ownership equally, while a tenants-in-common structure allows you to customize the amount of property each family member owns.

💪 Financial Strength
Consider each person’s credit score, income, and debts. If some family members have weaker financial profiles, consider making alternative arrangements so they can still contribute.

⚖️ Legal Structure
Discuss who will hold the title and how ownership will be divided. It’s crucial to plan for potential scenarios, such as a family member moving out.

Need help navigating the complexities of a multigenerational mortgage? Check out our latest blog post for more guidance!

🔗 http://draginjakapetanovic.ca/multigenerational-home-buying-how-to-find-a-home-that-fits-your-whole-family/

11/12/2024

Read more in our latest blog post: http://draginjakapetanovic.ca/multigenerational-home-buying-how-to-find-a-home-that-fits-your-whole-family/

Thinking about buying a home with family?

Pooling resources with relatives can open new doors, but it’s important to ask the right questions before diving in. Whether your goal is to care for aging parents, share childcare responsibilities, or simply afford a more desirable home, having a clear plan is key.

Here are a few questions to get you started:

What’s everyone looking for in the new home?

Are there compromises the family can agree on?

How will responsibilities and expenses be divided?

Are there long-term considerations, like accessibility or upkeep costs?

How will family dynamics change with this new living arrangement?

Open communication is essential to making this transition successful—and we’re here to help. From family meetings to market advice, we’ll guide you through the process and help you find a home that works for everyone.

Read more in our latest blog post: http://draginjakapetanovic.ca/multigenerational-home-buying-how-to-find-a-home-that-fits-your-whole-family/

08/14/2024

Ready to buy a home but feeling overwhelmed by financing options? Here are four factors to consider when choosing a mortgage:
📈 Credit Score:
This three-digit number can significantly impact your interest rate and the types of loans you qualify for.

📊 Income & Expenses:
Lenders want to ensure your income will comfortably cover your mortgage payments and other debt obligations.

💰 Down Payment:
The amount you put down will affect your loan options, monthly payments, and need for mortgage insurance.

📆 Lifestyle & Risk Tolerance:
Your term length and interest rate type (fixed or variable) should align with your financial goals and comfort level.

For more on choosing the right mortgage for your specific situation, check out our latest blog post!

🔗 [https://draginjakapetanovic.royallepage.ca/blog.php]

06/19/2024

After years of record-low housing inventory, active listings are on the rise—which is great news if you’re hoping to buy a home. Here’s what you should know:

🏘️ The spring market showed a noticeable jump in listings.

🏘️ More sellers are predicted to list once interest rates decline.

🏘️ Even with more inventory, demand is still expected to exceed supply.

What does it mean for you? Read our mid-year market update to find out!

🔗 https://draginjakapetanovic.royallepage.ca/blog.php

06/15/2024

Overwhelmed by the thought of selling your home? Technology can help you streamline the process!

Plus, we like to think of ourselves as an all-in-one resource for sellers. Give us a call to find out how we can make the home sale process easier.

06/04/2024

Are you up-to-date on the real estate market? Nearly halfway through 2024, here’s what buyers and sellers need to know:

📉 >Mortgage rate cuts are expected soon
🧑 >Demand is forecast to rise as rates fall
💰 >Home prices will continue to increase
🏘️ >Inventory is predicted to remain tight nationwide

Check out my latest blog post to learn what these trends could mean for you!

Click the link below for more information:

🔗https://draginjakapetanovic.royallepage.ca/blog.php

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05/11/2024

05/04/2024

Check my beautiful new listing here:

http://www.36mccleavecres.com/

Step inside and be greeted by an open concept living and dining area, perfect for entertaining guests or simply unwinding after a busy day. The tastefully renovated kitchen with a walkout to the backyard is a chef’s dream, boasting ample counter space, modern appliances, and plenty of storage...

Call 647-501-5067 or DM me to discuss further...
or to arrange showing...Thank YOU!

04/11/2024

I am grateful to my great clients, Vanisa and Norman, who have given me trust to help them buy their first investment condominium and rent it out to the best renter.

03/23/2024

Downsizing doesn’t have to mean living in a cramped space. Smart design can make a small home feel more spacious.

Here are 3 features to look for and 2 to avoid:
Built-in shelving adds storage space and draws the eye upward
Flexible, multipurpose rooms make the most of limited square footage
Highly-placed windows draw in light and add a spacious feel
Unnecessary hallways can eat up precious space
Awkward corners and unusable nooks disrupt flow

Check out our latest blog post for more tips to improve your lifestyle by downsizing your home.

[ http://draginjakapetanovic.ca/downsize-your-home-rightsize-your-life-how-to-choose-the-ideal-smaller-home/]