Shelly Knows Real Estate

Shelly Knows Real Estate Your A to Z source for all things Real Estate! Shelly Cerrelli
Keyrate Brokerage
License # 13181

Take the journey with me to learn about Mortgage solutions, Real Estate Purchases, Sales & Development, Interior Design & Canadian Investments.

As human beings, we’re naturally and instinctively programmed to avoid change at all costs. In the wild, it was a matter...
11/28/2022

As human beings, we’re naturally and instinctively programmed to avoid change at all costs. In the wild, it was a matter of energy preservation and risk avoidance. But in our lives today, that innate fear programmed in our brains is often what keeps us from going after our dreams.

The mere thought of leaving where you are and what you know can be scary and send your body and mind into anxiety. In my life as an entrepreneur, that fear was nagging at my ear at every challenge and decision I had to make. It was there every step of the way.

What separates success from stagnation is not the absence of fear, but how we deal with that. If we compare our present selves with our true selves - the one we want to achieve - we are giving the first step to convince our inner selves that change is worth the risk. When we get our inner and rational selves to agree on where we want to be, that’s when change truly starts.

I’ll tell you right now that the little voice of fear won’t go away immediately. You’ll need to constantly talk to your inner self and remind it why you’re taking that journey. But I promise, that over time, the little voice gets less and less loud and annoying until it isn’t there anymore - and we finally change!

Your home may be the biggest investment you have ever made. Make it shine with these tips on how to make sure it is look...
11/23/2022

Your home may be the biggest investment you have ever made. Make it shine with these tips on how to make sure it is looking its best when it comes time to sell it!

Historic homes aren’t just old. The timeless beauty and elegance of these homes make them stand out in any neighborhood....
11/18/2022

Historic homes aren’t just old. The timeless beauty and elegance of these homes make them stand out in any neighborhood. And sometimes they even have some advantages over newer construction!

Are you determined to turn the dream of having your own home into reality but don't know where to start? Don’t worry, he...
11/09/2022

Are you determined to turn the dream of having your own home into reality but don't know where to start?

Don’t worry, here we guide you through every step until you can pack up your things!

Click the link in our bio to get the help of the best mortgage agents in the market to help you make your dream come true.

Often when looking for a new job, people will try their luck with numerous companies which often leads to them accepting...
10/11/2022

Often when looking for a new job, people will try their luck with numerous companies which often leads to them accepting the offer of the first ones to choose them.

Even though this is more likely to land you a new job sooner, it might also be the reason why you feel so unhappy and unfulfilled at your work. Picking a company where you would like to work is as important as being picked as the best candidate, and it all comes down to a match in professional values.

No benefits or amount of money is able to make up for a work environment you don’t feel comfortable in or connected to. No professional growth can come where your skills and values don’t match the task!

A Bridge Loan is essentially a short-term provisory loan that allows you to buy a new home before you finalize selling y...
10/05/2022

A Bridge Loan is essentially a short-term provisory loan that allows you to buy a new home before you finalize selling your old one.

We all know how frantic the housing market can be, demanding decisions to be made fast. When you’re on the hunt for a new place to live, you might not always have the time to wait for your old home to be sold before closing on the new home of your dreams.

That’s when a bridge loan comes into play. You can use your home equity to secure a short-term loan (ranging from 3 months to a year in some cases) to be repaid once the selling of your old home is complete.

To warm up the housing market and help new buyers achieve their dreams of buying a home, the Canadian government release...
09/28/2022

To warm up the housing market and help new buyers achieve their dreams of buying a home, the Canadian government released a new incentive for first-time buyers earlier this year.

We’ve outlined a few pros and cons of this new incentive here to help you decide whether or not it might suit your profile!

Even though it is often viewed with a negative connotation, private mortgage insurance (a.k.a. PMI) can sometimes be the...
09/23/2022

Even though it is often viewed with a negative connotation, private mortgage insurance (a.k.a. PMI) can sometimes be the difference between achieving or not achieving your dream of buying a home.

When providing an upfront 20% down payment isn’t an option for you, hiring a PMI is what will allow you to get the necessary mortgage to pay for your home. This kind of insurance kicks in to protect the lender from losses if you’re ever not able to continue paying your mortgage.

Once the insurance is in place, it is possible to get your mortgage approved with a more affordable down payment.

Overall, buying a home is by far more beneficial than renting.Every dollar you spend paying your mortgage goes into grow...
09/10/2022

Overall, buying a home is by far more beneficial than renting.

Every dollar you spend paying your mortgage goes into growing your net worth. Every dollar you spend keeping and improving your home adds to its value and works as an investment should ever come the time to sell it.

Renting, on the other hand, takes a larger percentage of your money out of you every month - with no return.

It can be a good option while you’re still saving money to purchase, but not as a permanent solution.

Crypto can be a good way to diversify your investment portfolio with a riskier but more profitable asset. However, tryin...
08/31/2022

Crypto can be a good way to diversify your investment portfolio with a riskier but more profitable asset. However, trying to time the market or buy your first digital coins straight away might not be a good call.

You don’t need to start trading cryptocurrency directly right away. There are funds and ETFs which include some of the main crypto assets in their portfolio - making them a safer and more stable way for beginners to dabble in crypto.

You should think of Bitcoin and other cryptocurrencies as the high-risk/high-profit investments they are. There can be huge gains in short time, but you’re also prone to risks like the $20,000 dollar plummet Bitcoin took in June. So you shouldn’t go about investing your life or retirement savings on it.

The bottom line is: if you have some spare money you can risk losing, there are a lot of options to get used to crypto before negotiating it directly. Otherwise, it might be better to stick to more stable and safer investments.

It hurts to fail, to see something you’ve put thousands of hours and dollars into going sideways - and often because of ...
08/29/2022

It hurts to fail, to see something you’ve put thousands of hours and dollars into going sideways - and often because of things out of your control.

But rather than the final chapter, let your failures be the stepping stones on your way to your dream. What many people won’t tell you is that every great success is made of hundreds of little failures.

To make sure you get the best deal when you get a mortgage to buy the home of your dreams, it’s important to understand ...
08/25/2022

To make sure you get the best deal when you get a mortgage to buy the home of your dreams, it’s important to understand what role everything and everyone plays in this process.

Today we’ll talk about the difference between two of the most important players in the mortgage process: the lender and the servicer.

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