Terri Stephens | 403-827-4663

 

I have listed a new property at 1014 2400 Ravenswood VW SE in Airdrie.
2 BEDROOMS, 1.5 BATHROOMS-The PRIMA - floor plan is perfect for roommates. The Master Bedroom has a large walk through closet to the shared upper bath...both BEDROOMS are massive in size, giving you space and privacy as you’re getting ready for the day or for that special date. Downstairs, the open living space and well-designed kitchen allow you to share space, without crowding each other, and the private backyard gives you lots of space to invite the rest of your friends over. Fenced yard with private space for entertaining, plus a cool feature a community dog wash just for Zen residence. SPRING 2017 this townhouse will be ready!!! Come Visit the SHOW HOME - to see for yourself - great place to call HOME.
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I have listed a new property at 1011 2400 Ravenswood VW SE in Airdrie.
2 BEDROOMS -1.5 BATHROOMS-THE AMBROSIA - This wonderful open concept floor plan is perfect for the entertainer. The spacious main level allows all your guests to move around and remain comfortable, so that you can enjoy your friends company. The Master Bedrooms includes a walk-in closet. You will have a hard time deciding which bedroom you want because they are both so large. It’ll depend on if you want to face the sunset, or the sunrise. The townhouse offers a wide open main allowing all the natural light to shine right on through. Upper floor laundry with stackable washer & dryer. Private fenced yard -with access to parks nearby. Resident Dog wash for your pooch... Built Green...SHOW HOME 12-5pm Weekends // Weekdays 2pm to 8pm - Drop in by say HI... Ready in SPRING 2017. NEW Home Construction - come see the SHOW HOME for details on this great property.
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I have listed a new property at 702 2400 Ravenswood VW SE in Airdrie.
2 BEDROOMS, 2.5 BATHROOMS The Katya floor plan is perfect for the person who has lots of guests. Dual master bedrooms make your friends and family feel comfortable and welcome anytime. Hang out and catch up with them in the private backyard with fence. Let them sit at the breakfast bar on the island while you fix up something to eat. Nice open main floor with tons of windows. Park in your single attached garage..and have guests park in your own personal drive way. Pet Friendly (even a dog wash is here for residence to use) Parks, shops, schools nearby. Still under construction. Builder Floor Plan available on website. DROP In and see these great homes.
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I have listed a new property at 722 2400 Ravenswood VW SE in Airdrie.
BRAND NEW - 1 BED + 1.5 BATH...The Bailey floor-plan is perfect for the person wanting an easy lifestyle. One bedroom and a single car attached garage make this home great for the single person (and maybe one or two furry friends).This home is the ultimate home for relaxation. The Large great room with vaulted ceiling and open concept is so inviting - plus all the windows all the sunshine in. Enter from the single garage or private entrance up the stairs to your top floor oasis. Lounge on the balcony throughout summer, then move inside and relax all winter. Enjoy the rest of your relaxation time in your private ensuite bathroom and large master bedroom. The BAILEY floor plan is a must see. Possession this Fall 2016//Under Construction. Please Visit the Show Home -
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I have listed a new property at 108 2400 Ravenswood VW SE in Airdrie.
2 BEDROOMS, 2.5 BATHROOMS -The Gala- floor plan is perfect for the person with lots of friends. Share lunch in the open kitchen, lounge in the private backyard, or hang out in the living room featuring big windows (loads of natural light) Choose to develop the basement and you will not only have extra room to hang out in, but you’ll have a spare bedroom to make sure your friends always have a place to stay. BUYER BONUS $10,000 for basement development or 6 months of mortgage payments paid by the builder. SHOW HOME HOURS APPLY 12-5 pm weekends....2pm-8pm Weekdays. DROP by great HOMES to get your start in Real Estate Ownership.
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I have listed a new property at 1201 2400 Ravenswood VW SE in Airdrie.
Well Folks Here it is - HOME Sweet HOME. The ROMA floor plan is not only a comfortable layout but offers space for everyone to enjoy. 2 Bedrooms plus 2.5 Baths - with a full basement ready for your development if you wish. Back yard is private and fenced - with a community Dog Wash for your pooch to take advantage of. No more muddy feet!! One of My Favorite Plans with TWO full bathrooms plus a half bath on the main, tucked out of the way. Nice open kitchen with large windows. Builder Floor plan available see photos - the current show home is a ROMA plan so you can see it for yourself. SHOW HOME - Monday to Thursday 2 pm to 8 pm and Fridays & Weekends 12 pm to 5 pm. YOU won't be disappointed this complex is brilliant, with great prices to boot. BUILDER BONUSES....ask at the Show Home
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I have listed a new property at 1204 2400 Ravenswood VW SE in Airdrie.
WELCOME Home...this wonderful Floor Plan called The Cameo, offers 2 Bedrooms and 1.5 Baths. Terrific place to put your feet up and enjoy life to its fullest. Affordable living with the ZEN feeling you deserve. See Builder Floor plan in Photos - very nice layout for those who want space and affordability. Close to parks, shopping, local cafes, Genesis Place and more. Complex even boasts a "Dog Wash" for your pooch. Condo fees are reasonable and Builder offers a bonus of 6 months mortgage payments - Just for YOU- Won't Last Long..only till the End of September !!!! WORTH a look for sure, this townhouse community ticks off all the boxes. Show Home Monday-Thursday 2 pm to 8 pm and weekends 12 pm to 5 pm. WORTH a LOOK...it's the place to BE.
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I have listed a new property at 1206 2400 Ravenswood VW SE in Airdrie.
When Looking for a Townhouse---Honey Stop the Car...The Pippin Floor Plan is the one. Builder Floor Plan attached, this Townhouse is near completion and is ready for possession. Great Offer - 6 Months mortgage included if purchased by Sept. 30th !!!! Don't wait - Affordable Living at its best - First Time Buyer or Downsizing...really ticks all the boxes ENTER the Real Estate Market today. 2 Bedrooms, 2.5 Baths - nice open floor plan with fenced yard. Check out the photos for your insiders view of the place. SHOW Home hours apply - Monday to Thursday 2 pm to 8 pm /// Weekends 12 pm to 5 pm. Popular Community Of Ravenswood...
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I have listed a new property at 821 2400 Ravenswood VW SE in Airdrie.
This home is the ultimate home for relaxation. Lounge on the balcony throughout summer, then move inside and relax in front of the fireplace all winter. Enjoy the rest of your relaxation time in your private ensuite bathroom and large master bedroom. THE Bailey Floor Plan offers ONE bedroom & One Bathroom...you have our own garage..and plenty of storage space. Still Under construction..this home is almost ready for you. 6 Months Mortgage Payments provided by the Builder...WOW!!! Inside and out, ZEN Ravenswood has special features that will leave you feeling great! From Energy Star appliances to sturdy, fire resistant James Hardie plank siding, ZEN Ravenswood has sustainability covered, so you can spend more time on style and design selections. Visit our sales centre at 1403 – 2400 Ravenswood View SE, Airdrie SHOW HOME HOURS 2pm to 8pm Weekdays...Weekends 12pm to 5pm. ZEN has arrived in the beautiful community of Ravenswood in Airdrie. You’ll discover a variety of stylish yet affordable townhomes.
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I have listed a new property at 822 2400 Ravenswood VW SE in Airdrie.
The Bailey floor plan is perfect for the person wanting an easy lifestyle. One bedroom and a single car attached garage make this home great for the single person. One Bed/One Bath. This home is the ultimate home for relaxation. Lounge on the balcony throughout summer, then move inside and relax all winter. Enjoy the rest of your relaxation time in your private ensuite bathroom and large master bedroom. Airdrie has a friendly, quiet feeling, yet has all of the conveniences of a much larger city. It’s just a short drive to Calgary or CrossIron Mills, where you’ll discover an abundance of entertainment, dining options, and retail therapy. Plus, you are close to local schools, retailers, recreation, and services. Lose yourself in local parks and walking paths. You’ll be right near Nose Creek as you follow the paved trails that seem to go on forever. Ravenswood It’s an ideal location for you to put down roots and create a home for yourself. Under Construction. See SHOW HOME. 6 Months Mortgage Payments Free
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I have listed a new property at 803 2400 Ravenswood VW SE in Airdrie.
The Katya floor plan is perfect for the person who has lots of guests. Dual master bedrooms make your friends and family feel comfortable and welcome anytime.Hang out and catch up with them in front of the fireplace or in the private backyard. Let them sit at the breakfast bar on the island while you fix up something to eat. 6 Month Mortgage Payments from the Builder. Show Home Hours apply 12 pm to 5 pm Weekends...Mon to Thursday 2 pm to 8 pm. Inside and out, ZEN Ravenswood has special features that will leave you feeling great! From Energy Star appliances to sturdy, fire resistant James Hardie plank siding, ZEN Ravenswood has sustainability covered, so you can spend more time on style and design selections.Visit our sales centre at 1403 – 2400 Ravenswood View SE, Airdrie
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I have listed a new property at 904 2400 Ravenswood VW SE in Airdrie.
The Dayton floor plan is perfect for the family with small kids. Three bedrooms allow each family member to have their own space, and the layout means you can see all the artwork on the fridge from any area of the main floor. The wide, open space lets you get more value out of family time, but the 2.5 bathrooms, 3 bedrooms, porch and private backyard means everyone can have their personal time too. Plus a 12 x 24 attached garage. Inside and out, ZEN Ravenswood has special features that will leave you feeling great! From Energy Star appliances to sturdy, fire resistant James Hardie plank siding, ZEN Ravenswood has sustainability covered, so you can spend more time on style and design selections. 6 Months Mortgage Payments - Builder Bonus! (under construction at time of listing)
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I have listed a new property at 103 2400 Ravenswood VW SE in Airdrie.
2 bedrooms, 2.5 bathroom The PIPPIN: floor plan is perfect for the person who needs the extra closet space. Choose to have two moderate closets or one big walk-in closet. Either way, you don’t need to stress about space in this home. You’ll also be extra pleased about the 36% energy savings that comes with all energy efficient ZEN homes. With all the extra money your save, you’ll be able to fill your new closets with all the latest styles and trends. Fenced yards and Community Dog Wash... A must visit. BUYER BONUS 12 Months Mortgage payments for FREE !! Townhouse is ready NOW - SHOW HOME HOURS Mon-Thursday 2pm to 8pm///Weekends 12pm to 5pm .
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I have listed a new property at 902 703 LUXSTONE SQ SW in Airdrie.
READY FOR YOU!! Sunny townhouse with green space behind with 2 Bedrooms + Loft - with lots of natural light throughout. Spacious living room, large kitchen with eating area, breakfast bar and corner pantry. 9 FOOT CEILINGS, Open concept, neutral colors, trendy laminate flooring, Stainless Steel Appliances and loads of cupboard space. Upper floor features a loft another bedroom and large master bedroom with walk-in closet. Lower level is wide open with future development in mind. TWO PARKING stalls just outside the front door. Excellent location, lots of parks, pathways and shopping nearby. Easy Access to Calgary, and all the sites & local establishments Airdrie is known for. Come see this townhouse today...
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I have listed a new property at 1097 CHANNELSIDE DR SW in Airdrie.
Entering this home you will be impressed with the soaring ceilings giving the home a bright & spacious feeling. The front living room & dining room are made for family gatherings & the main floor den is the perfect home office. Sun Shines into every corner of this home. Large open concept kitchen featuring granite counter tops, eating area and living room with gas fireplace. Four Bedroom home, for the growing family. Oasis Ensuite just off the master, walk in closet and breath taking views make this master bedroom your own private retreat. Views from this home are impressive backing right onto the canal and pathway system people only wish for. The Walk out lower level has great storage areas, built in shelving, with the potential to have a wide open space for future development. Lower stamped concrete patio, features two sitting areas for your enjoyment. This home is situated in a desirable community in Airdrie with easy access to all amenities. Location, Family, Views, Recreation = Dream Home.
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From CIR REALTY President 
 
I'm happy to report that we continue to outperform the overall market (CREB). For September 2016 CREB's total sales were up 2.06% compared with 2015. CIR's total sales for September was up 7.80%. For the year-to-date picture, CREB's total sales for the first 9 months is down 8.52%. CIR's total sales for the first 9 months is up 1.0%.   
 
Congratulations to everyone at CIR for continuing to outperform the main CREB benchmark by a wide margin this year. Well done!    
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The Office of the Superintendent of Financial Institutions (OSFI) recently launched a proposal that could push future Canadian mortgage rates higher.

When OSFI makes changes, it first issues a proposal that is “open for public consultation” up to a certain deadline, which in this case is October 18. But OSFI is making this proposal in the same way that I propose to my kids that they brush their teeth before bed – while technically I am asking, one way or another, it’s going to happen.

In its recently revised Capital Adequacy Requirement (CAR) Guideline, which is designed “to ensure that capital requirements continue to reflect underlying risks and developments in the financial industry”, OSFI has made allowances for increased risk at both the individual and market levels.

To account for increased market risk in future, OSFI will add a “countercyclical buffer” to its toolkit. This buffer will require lenders to put aside more capital if OSFI perceives that market risks have become unduly elevated. So, for example, if house prices continue to accelerate in hot regional markets, OSFI could increase lender capital requirements, thereby increasing the cost of the funds that are being lent out. 

Bluntly put, this buffer gives our policy makers a clever way to increase mortgage rates while leaving other interest rates unchanged, something that they see as desirable.  And while it’s true that lenders will be given a grace period of six to twelve months to raise the required capital, you can bet that they will move rates higher immediately after being notified that a countercyclical buffer will be implemented.

At the individual lender level, OSFI also reminded lenders that “credit risk insurance is a risk mitigant (guarantee) that relies on the due diligence of a mortgage originator”. To that end, if OSFI perceives that lenders have not met the agreed upon standards when underwriting insured loans, it will require them to put up more capital to account for their lack of adequate due diligence.

OSFI is effectively warning lenders that they should apply the same credit standards to loans that are backed by Canadian tax payers as they do when lending their own money. This emphasis is an attempt to address “moral hazard” risks whereby lenders loosen their standards on loans where default insurance protects them against potential loss.

There have been far more radical proposals to address moral-hazard risks of late. One idea making the rounds is the introduction of a first-loss deductible that would require lenders to participate in any losses incurred on their insured loans. While this would certainly give lenders pause before applying looser standards to insured loans, it would be difficult to superimpose this type of change on our existing default-insurance framework. For example, CIBC Deputy Chief Economist Benjamin Tal recently speculated that introducing risk sharing could both push rates higher and limit the availability of mortgage credit. As such, each of these changes would be destabilizing.

Canadians have grown accustomed to reading headlines about housing-bubbles with their morning coffee but these warnings have grown increasingly ominous of late, even by our own jaded standards. Our still relatively new federal government is facing increased pressure to do something, and thus far, their handling of the housing file remains an open question.

Will they be satisfied with allowing OSFI to continue with its existing oversight and to add to its toolkit as needed, while allowing regional markets to implement area-specific policies to address local imbalances such as the new Vancouver real-estate tax on foreign investment? Or will they implement more radical reforms that might play better at the ballot box but come with a greater risk of unintended consequences? Time will tell (and I will be watching for you).

Five-year Government of Canada bond yields rose three basis points last week, closing at 0.74% on Friday. Five-year fixed-rate mortgages are available in the 2.29% to 2.39% range, depending on the terms and conditions that are important to you, and five-year fixed-rate pre-approvals are offered at about 2.49%.

Five-year variable-rate mortgages are available in the prime minus 0.40% to prime minus 0.50% range, which translates into rates of 2.20% to 2.30% using today’s prime rate of 2.70%.

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I have listed a new property at 70 SPRINGWOOD CR SE in Airdrie.
LARGE CORNER LOT with AMPLE parking for CARS, RV, QUADS...whatever you have. This charming bi-level is fully finished offering three bedrooms (2 Up + 1 Down), two full baths - great family home. Large front living room with new large venting window, dining room with unique glass panels for room separation with garden doors opening onto a large east facing deck. Over-sized single garage + movable carport for more parking. Downstairs features a large recreational room with wet bar, plus a large storage utility room. Outside there is a nice sized yard fully fenced, with space for a garden. The Exterior of the home is stucco, with a newer roof, some new windows, fresh paint inside and carpets upstairs. LOCATION - LOCATION - minutes to a popular Elementary School...and our FAMOUS NOSECREEK PARK. MAKE your MOVE today!!! Hot water tank and Furnace 10 years old., Newer Roof, Stucco exterior, Garden Doors are newer plus some windows.
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MLS C4084133

 

Panorice Mountain Views - just listed  1950 square foot 10 foot ceilings walk out bungalow with finished lower level

 

4 bedrooms if you wish, or make into an offer or personal gym.

 

In Floor Heat

Air Conditioned

Heated Garage

Upper Main floor laundery

5 Piece Ensuite

Hardwood flooring

open concept

3 sided fireplace

built in cabinets

Murphy bed

Front Covered Porch

Large West Facing deck - Mountain views

 

 

This home is loaded and Ready for you

 

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