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The Siefert-Ceccacci Service Team

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Liam Ceccacci

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Lorne Siefert

Administrator

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We have access to New listings everyday

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37 years of combined experience

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LOADING

For sale OPEN HOUSE $529,900

569 Elm Street

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1680

For sale $850,000

28 Edgewell Crescent

St. Thomas, Ontario

5 Bedroom 3 Bathroom 2660.3100

For sale OPEN HOUSE $459,900

50 Leger Avenue

St. Thomas, Ontario

3 Bedroom 1 Bathroom 1028

For sale $625,000

38814 Talbot Line

St. Thomas, Ontario

3 Bedroom 1 Bathroom 1676.1600

For sale OPEN HOUSE $614,900

12 Ambrosia Path

St. Thomas, Ontario

4 Bedroom 3 Bathroom 2428

For sale $559,900

47 Hemlock Street

St. Thomas, Ontario

3 Bedroom 2 Bathroom 2871

For sale $999,900

79 Sparky's Way

St. Thomas, Ontario

6 Bedroom 4 Bathroom 3069

For sale $559,900

47 Hemlock St

St. Thomas, Ontario

3 Bedroom 2 Bathroom

For sale OPEN HOUSE $779,900

69 Shaw Boulevard

St. Thomas, Ontario

3 Bedroom 4 Bathroom 2205

For sale OPEN HOUSE $614,900

12 Ambrosia Path

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $3,999,999

10075 Sunset Rd

St. Thomas, Ontario

For sale $3,999,999

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Helpful Tips for Buyers

It is important for buyers to understand their options going into purchasing a home or real estate property. We can give you tips on options like paymetn periods, the benefits of making extra payments and the advantages of bigger down payments, how to reduce fees, and important information about short and long term rates.

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Helpful Tips for Buyers

Bi-weekly and weekly payments

Most mortgages have the option to allow payments to be made on a weekly or bi-weekly basis. This option may be desirable for two reasons. The first is it can save you money as you can expect to pay off your mortgage about 4 years sooner. This can save you dramatically over the life of your mortgage. The other reason why these options are so popular is that if your employer pays you on a weekly or bi-weekly basis, you can simplify your budgeting by making the payment line up with the way you paid.

Making Extra payments

Paying extra amounts on your mortgage can make a big interest saving over time. When we select a mortgage company, privilege payments options are something that we look for. A 20% privilege payment will allow you to pay off up to $20,000 per year on a $100 000 mortgage. It is important that the privilege payment also be flexible to allow you to pay smaller payments on the mortgage and as often as you wish. An extra $1000 periodically paid on a mortgage can help you become mortgage free faster.

Reducing the CMHC fees on your purchase

When you require a mortgage for more than 80% of the purchase price of a property, that mortgage must be insured by Canada Mortgage and Housing (CMHC) or GE Mortgage insurance. The premium charged by these company`s decreases as the down payment increases. When you finance your property at 95%, a premium of 3.75% is added to the mortgage. By increasing the down payment to 10% of the purchase price the premium can be reduced to 2.5%. If you can put down 20%, you can avoid any additional insurance fee. Depending on your situation there are ways that you can structure this financing to avoid the CMHC or GE insurance premium.

Advantages of Bigger Down Payments

As mentioned above, when you put a 20% down payment on your purchase you can avoid the CMHC premium. More importantly the larger the down payment, the lower the amount of interest you will pay over the life of your mortgage. It is important to note that it may not be wise to stretch yourself to increase your down payment and end up borrowing on credit cards or a line of credit at a higher rate.

Short Term Rates vs. Long Term Rates

The options for mortgages available can be very confusing for most mortgage shoppers. Terms for mortgages vary between variable and fixed rate, 6-month terms to 10 year terms. Taking a variable or floating rate mortgage can have savings. Typically the shorter the term or guarantee of the rate, the lower the rate will be. This does not always happen, depending on the market place and the economy, but history has shown that short-term rates tend to be lower than long-term rates. The up side of variable rate is the strong potential for interest rate savings. The down side is the fact that you are accepting the interest rate risk without a guarantee. If you are considering a variable rate mortgage you need to look at your own risk tolerance, and your cash flow available to deal with potential increased payment. Considering projections of rates and where we see interest rates heading can also be important in this decision. Make sure you talk to an expert when you are making this decision.

Helpful Tips for Sellers

Occasionally, one can see “For Sale By Owner” signs, and some owners think that selling their own home will not only save them money, but believe they have an advantage over the sellers that have their home listed by a reputable Real Estate sales professional. Before you decide to take on this very important and legally complicated process…remember not even most Real Estate Lawyer’s recommend selling your own home yourself in today’s market.

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Siefert Construction

For all your construction needs, please contact Isaac Siefert at Siefert Construction.

519-694-2763

isaac.siefert@gmail.com

Our Awards

Award of Excellence Lifetime - Royal Lepage

Award details available at www.royallepage.ca.

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Our goal is to treat you fairly, with honesty and integrity.

808 Talbot St, St. Thomas, ON N5P 1E2

226-926-0381

519-633-0600

519-631-9716

sieferts@sieferts.ca

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Home is where your story begins

Let us help you write the next chapter

The Siefert-Ceccacci Service Team

Get to know our team of experts

Liam Ceccacci

Sales Rep.

Lorne Siefert

Administrator

Our Services

We have access to New listings everyday

Experienced Agents

Buying Tips

Selling Tips

Construction

Market Analysis

Our Listings

$1,200,000

$1,200,000

$1,200,000

$1,200,000

Local Listings

LOADING

569 Elm Street

28 Edgewell Crescent

50 Leger Avenue

38814 Talbot Line

12 Ambrosia Path

47 Hemlock Street

79 Sparky's Way

47 Hemlock St

69 Shaw Boulevard

12 Ambrosia Path

10075 Sunset Rd

10075 Sunset Rd

Sold Listings

Helpful Tips for Buyers

Helpful Tips for Sellers

Siefert Construction

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Our goal is to treat you fairly, with honesty and integrity.

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