Feb 21, 2013

Closing Costs

In order to complete the purchase of your Niagara Falls homes, Fort Erie ON CA homes, Ridgeway Homes, there are a number of expenses to cover, known as closing costs. Contact D. W. Howard Realty now for a no-obligation discussion of what kinds of expenses to expect when buying a home. First-time buyers in particular have special concerns.

– Taxes… Different cities within Niagara Ontario Canada can have different tax requirements. Let D. W. Howard Realty help you calculate land transfer or other taxes due at the closing of the house for sale that you are interested in.

– Legal fees… Registering the mortgage charge and deed, title search, and tax certificate.

– Prepaid costs… This would inlcude water bills, utility bills, proerty taxes to be reimbursed at closing.

– Home insurance… Lender will require proof that the home you are buying is insured against fire damage.

Click here to search Niagara Falls ON homes for sale, Fort Erie rentals, Crystal Beach homes, Lake Erie waterfront property for sale, and more.

If you are thinking of putting your Niagara home for sale on the real estate market, D. W. Howard Realty of Ridgeway ON Canada has some home staging suggestions that will make your house for sale more appealing to a potential buyer.

Niagara home staging

The trick is to create an environment that speaks about the space and how it can be used, and doesn’t distract home buyers with personal items that tell too much about the home’s occupants.

Click here for related article on downsizing.

– Remove all personal items from display, including photos, fridge decor, awards. Buyers should be able to picture themselves in your home.

– Arrange furniture to give a feeling of spaciousness. Place 2 chairs instead of 4 at the table. Add a mirror. Remove knick knacks from a shelf and replace them with one simple object.

– Choose neutral solid colours for bed & bath linens.

– Open window coverings and add extra lighting.

– Place furniture to give a sense of how the space could be used, such as 2 patio chairs on a front porch.

Click here for ideas on how to make your home more energy efficient!

Contact D. W. Howard Realty now for more information on staging your home, and for a recommendation of a professional home stager in the Niagara Falls, Fort Erie ON, Ridgeway, or Port Colborne ON Canada areas who can provide an objective opinion.


D. W. Howard Realty‘s team of Niagara Real Estate Agents are members of the Canadian Real Estate Association (CREA) which is to your advantage whether you are buying or selling Niagara Falls homes, Fort Erie homes, Ridgeway homes, or Port Colborne homes.

The Canadian Real Estate Association membership includes over 100,000 Canadian real estate brokers, agents, and salespeople across Canada, through 100 real estate boards & associations across the country.

The Canadian Real Estate Association benefits the public as well as its Realtor members by:

– representing its member real estate professionals to the Canadian federal government & agencies on legislation that affect home owners and real estate agents.

– Provides standards and symbols of quality to enhance real estate agent member professionalism and ethics.

– provides up to date, accurate information and analysis regarding economic issues.

– helps Canadian real estate agent (Realtor) members serve clients better.

Click here to learn about the difference between a Real Estate Agent and a Realtor.

The Canadian real estate industry is organized into 3 levels, the real estate board at the local level (in our case this is the Niagara Association of Realtors,) the provincial /territorial associations (for us it’s the Ontario Real Estate Association) each representing  their province or territory, and meeting needs at the Canadian national level is the Canadian Real Estate Association.

Also see related article on Real Estate Council of Ontario

Please contact D. W. Howard Realty for more information as well as assistance with buying or selling Niagara falls ON CA homes, Crystal Beach homes, Lake Erie waterfront homes, and more.

Click here to search Niagara real estate for sale or rent.

If you are looking to buy or sell Niagara Falls CA homes, Fort Erie homes, Port Colborne ON homes, you have heard and used the terms Realtor and Real Estate Agent but did you know that there is a difference between the two?

REALTOR® is a term that is a registered certification mark identifying service quality by licensed real estate agents. Realtors are members of CREA, (the Canadian Real Estate Association) and must comply with a strict code of ethics. All Realtors are real estate agents. Realtors can list your property for sale on the MLS system. Click here to learn more about the Canadian Real Estate Association and how it helps you as a client.

In the Niagara region, Realtors are members of the Niagara Association of Realtors (NAR) and the Ontario Real Estate Association (OREA). Clients using Realtors have the protection of the Real Estate Council of Ontario: Click here to learn more about RECO.

Not all real estate agents are Realtors with the benefits of listing on the MLS system.

At our D. W. Howard Realty office, we have 11 agents all of which are experienced Realtors with unique local knowledge of Lake Erie waterfront homes, Ridgeway homes, Crystal Beach waterfront homes, Fort Erie lakefront homes. Contact D. W. Howard Realty now for assistance with all your Niagara real estate needs.

We at D. W. Howard Realty in Ridgeway ON understand the importance of a house’s proximity to schools when our real estate clients are looking to buy Fort Erie homes, Crystal Beach homes, and Ridgeway Homes.

Last week, the Town of Fort Erie unveiled a proposed plan to close Fort Erie Secondary School (FESS) and Ridgeway-Crystal Beach High School (RCBHS), and instead open a brand new local high school in Fort Erie ON, to be located within the Municipal Centre on Garrison Road behind Fort Erie Town Hall and Leisureplex. This is located centrally within the Town of Fort Erie’s boundaries, which would minimize the travel time required for students to get to and from school.

The number of students attending Fort Erie Secondary School and Ridgeway Crystal Beach High School has decreased dramatically over the past 2 decades, so neither school is currently able to offer full programming. The new Fort Erie high school would benefit greatly from the nearby YMCA, Ferndale Park, Town Hall, and Leisureplex.

Contact D. W. Howard Realty now for more current information on schools and other amenities located in the Fort Erie, Ridgeway, Crystal Beach Niagara Canada areas.

View 422 Lakeside Rd. an excellent family home for sale in Fort Erie Ontario Canada. Real estate open house hosted by D. W. Howard Realty Brokerage will take place on Sunday February 24th, 2013 from 2:00 – 4:00 p.m.

For more information on 422 Lakeside, Fort Erie ON or to arrange a private tour of this or other Niagara homes, please contact D. W. Howard Realty  now.


Downtown Ridgeway Ontario - an outstanding place to live and work.

Downtown Ridgeway Ontario – an outstanding place to live and work.

Our view from the D. W. Howard Realty office, Downtown Ridgeway Ontario Canada the day after a blizzard, the streetscape looking picture-perfect as always.  Contact D. W. Howard Realty now for Ridgeway homes, Crystal Beach homes, Fort Erie homes, Port Colborne waterfront real estate.

Click here to see highlights of the Spirit of Christmas festival in Downtown Ridgeway Ontario.

Are you a first time buyer concerned about the affordability of Niagara Falls Ontario Canada homes, Fort Erie homes, Port Colborne homes, or Ridgeway homes? At D. W. Howard Realty, our experienced, caring real estate agents want to help you in all aspects of buying a home, including referring you to the right mortgage agent or financial advisor to help you achieve your dream of owning a Niagara Ontario home.

We can see that property prices have gone up, but salaries have not gone up at the same rate.  In 1980, the average Ontario homes price was around $63,000.  Now, the average price for Ontario homes is almost $400,000!

The Ontario Real Estate Association recently conducted a survey  indicating 70% of renters want to purchase a home in the near future, yet 81% of all Ontario residents believe  it is more difficult to own a home now than in the past.

Other studies found that first-time home buyers accounted for about half of all home sales between 2009 and 2011.  Looking to build new? Fort Erie Ontario is unique in its allowance for tall towering homes.

Our D. W. Howard Realty agents will help you calculate what you can afford. Our Niagara Falls ON real estate website also has tools to help home buyers find out what they can afford.  We can also help you calculate closing costs, land transfer taxes, and any renovations or updates you’ll need to make on your new home.  Click here for blog article containing financial advice for first time buyers. Before shopping for a home, make a list of must-haves and a list of features you’re willing to negotiate or live without. Strategic negotiating in your Ontario real estate deal can save you thousands of dollars off your home. Contact D. W. Howard Realty now to speak to one of our friendly agents.

D. W. Howard Realty proudly presents 35 Promenade Way, Crystal Beach Ontario Canada, a beautiful Lake Erie waterfront home for sale in the incredible gated community of Crystal Beach Tennis & Yacht Club.

35 Promenade Way Crystal Beach Tennis & Yacht Club home for sale on Lake Erie

35 Promenade Way Crystal Beach Tennis & Yacht Club home for sale on Lake Erie

More photos and virtual tour coming soon. Contact D. W. Howard Realty now for all the information on this beautiful property, and an appointment to view this incredible Crystal Beach waterfront home for sale.

Click here for 3 Promenade Way, a neighbouring home for sale in Crystal Beach Tennis & Yacht Club.

TASC Niagara will be performing “The Time Warp” dinner theatre at the Crystal Ridge Community Centre in Ridgeway Ontario Canada on Friday February 22nd and Saturday February 23rd, 2013. We at D. W. Howard Realty agree that everyone regardless of their abilities should be involved in all aspects of our Ridgeway ON, Fort Erie ON  & Port Colborne ON community.

Tickets to “The Time Warp” are $30.00 and children under 12 are $20.00

TASC, Therapy and Alternatives for Special Children and Adults with Disabilities, is a registered charitable, non-profit organization started by parents and volunteers with financial support from community events and sponsors.

This excellent evening of music and drama will present music and TV performances from the 1940’s up to present day. Please call Nancy for tickets or more info 905-894-1768

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