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Thread: Calgary real estate prospects

  1. #701
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    Quote Originally Posted by ThePenIsMightier View Post
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    Two of the Big-5 banks and our existing lender, which is some hilarious division of ComputerShare.
    Computershare is just corporate trust service provider… lots of monolines use them

    The “best rate” bs is part of why I jump ship from brokering… amazing how many brokers are willing to work for free; especially with mcap ending the 5bps cheap buy downs

  2. #702
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    I am not sure if it's just my specific area (NW Calgary) but is anyone else noticing the market picking up again the past 2 weeks? It seems like good listings are going pending/sold faster than July/early August.

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    Quote Originally Posted by Civic_Drift View Post
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    I am not sure if it's just my specific area (NW Calgary) but is anyone else noticing the market picking up again the past 2 weeks? It seems like good listings are going pending/sold faster than July/early August.
    Haven’t been watching since we bought a place but I’m honestly surprised we got ours for only $10k over asking in July.

  4. #704
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    Quote Originally Posted by Civic_Drift View Post
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    I am not sure if it's just my specific area (NW Calgary) but is anyone else noticing the market picking up again the past 2 weeks? It seems like good listings are going pending/sold faster than July/early August.
    There's probably a lot of people trying to buy right now before their pre-approvals expires

  5. #705
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    A lot of political discussion about housing affordability. Best way to make thing affordable is to reduce housing values. Doubt anyone has the balls to do it on purpose, but could do it by accident.
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  6. #706
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    Quote Originally Posted by ExtraSlow View Post
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    A lot of political discussion about housing affordability. Best way to make thing affordable is to reduce housing values. Doubt anyone has the balls to do it on purpose, but could do it by accident.
    Gee, I wonder if law makers would want to crack down the value of real estate when they hold lots of assets. No conflict of interest by keeping the market "stable".
    Originally posted by beyond_ban
    Yo Kanye, ima let you finish, but 50 Cent had the best concert cancellation of all time.

  7. #707
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    People over 50 own a lot of real estate. People over 50 make a lot of the policy decisions.
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  8. #708
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    Quote Originally Posted by ExtraSlow View Post
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    People over 50 own a lot of real estate. People over 50 make a lot of the policy decisions.
    ding ding. Naive people think the policy makers WANT to make the real estate affordable to the general public lol
    Originally posted by beyond_ban
    Yo Kanye, ima let you finish, but 50 Cent had the best concert cancellation of all time.

  9. #709
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    The kind of real estate they want to make affordable, is not the kind of real estate wealthy people over 50 own

    Expect some real cheap ghettos to start showing up where parks used to be
    Last edited by killramos; 09-03-2021 at 02:31 PM.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

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    Quote Originally Posted by ExtraSlow View Post
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    A lot of political discussion about housing affordability. Best way to make thing affordable is to reduce housing values. Doubt anyone has the balls to do it on purpose, but could do it by accident.
    Make it very difficult for international money to be laundured through Canada real estate.
    But Trudeau's friends and funding would not like that.

  11. #711
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    Quote Originally Posted by Twin_Cam_Turbo View Post
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    I canít believe the amount of hoops we had to jump through this time to get a mortgage, maybe a good thing for weeding people out I suppose.
    Just saw this post and I agree. This time around it seemed like never ending curve balls being thrown at us compared to when I bought this first house under just my name at a way lower income.

    This is my wife's slow time so she is only doing about 68-72 hours every 2 weeks instead of 80-90 hours. Well even though the numbers said we qualified if she only worked part time (54hrs every 2 weeks), the fact they expected to see 80hrs every 2 weeks and didn't for a couple paystubs threw up major red flags for the underwriters and basically sent the whole file into a re-review at the 11th hour. We ended up having to provide about 5 years of T4's and a bunch of pay slips from different seasons over those years to show that this was a consistently slow time and in the winter it always picks up.

    We also qualified if it was just under my name and we upped our down payment by 3%, or if we used a 3 year average for me instead of a 2 year which we offered to do but the pay stubs fucked it all up and would only consider our file that way.
    Quote Originally Posted by rage2 View Post
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    ...Last thing I want is someone reading my posts and losing their cock over it...
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    Meh, they all look like Jackie Chan to me
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    Which one has best efficacy at enlarging my dank?

  12. #712
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    Quote Originally Posted by mr2mike View Post
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    Make it very difficult for international money to be laundured through Canada real estate.
    But Trudeau's friends and funding would not like that.

  13. #713
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    [conditionally] sold our place in <24hrs at full list. For 30k more than any listing agent suggested it was worth. things still p hot.

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    Quote Originally Posted by prae View Post
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    [conditionally] sold our place in <24hrs at full list. For 30k more than any listing agent suggested it was worth. things still p hot.
    Nice, what price range?

  15. #715
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    Quote Originally Posted by JohnnyHockey13 View Post
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    Nice, what price range?
    700+

  16. #716
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    Quote Originally Posted by prae View Post
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    [conditionally] sold our place in <24hrs at full list. For 30k more than any listing agent suggested it was worth. things still p hot.
    Congrats! You can relay the message to Buster who argued over my view on "hot" market.
    Originally posted by beyond_ban
    Yo Kanye, ima let you finish, but 50 Cent had the best concert cancellation of all time.

  17. #717
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    Quote Originally Posted by Power_Of_Rotary View Post
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    Congrats! You can relay the message to Buster who argued over my view on "hot" market.
    I don't know or remember what the disagreement about a "hot" market was, but it definitely varies between price points, from hot to frigid.

  18. #718
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    Isn't real estate his favorite asset class?

  19. #719
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    Unless BoC does some rate hikes soon it's looking like next spring is going to be even more of a craze than this year.

    Detached active listings:
    October 2019: 3,726
    October 2020: 3,065
    October 2021: 2,500

    Last year was already a crunch and lots of multiple offers, going into next year with 20% less listings is only going to compound that.
    Nolan

  20. #720
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    Looking at the CREB Daily Housing Stats, there were 313 homes sold and 296 new listings for the week of Oct 15-21, 2021. Insanity.

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