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Nov. 6, 2017

Brian and Tiffany educate seniors on downsizing

Here is a great article on Tiffany and Brian being recognized within the community of Colorado Springs. The article below talks about how Brian & Tiffany have teamed up with local Senior homes to educate our senior community on downsizing. Enjoy the read

 

http://www.prweb.com/releases/thecanadyteam/downsizingseminar/prweb14798621.htm

Aug. 10, 2017

Why do you need a Buyer's Agent?

- Hi, this is Brian Canady with Premier Real Estate Group and this is Tiffany Canady.

- And I'm Tim Chase with 719 Lending. - And today we're gonna talk to you about why 

it's important to have a buyer's agent in under 90 seconds. - The best part about having

a buyer's agent representing you is that it's free to you. The sellers actually pay

us to bring them qualified buyers to buy their home. - Costs them nothing. - Right?

- Costs them, it costs-- - Well, most times. - The buyers zero. - Most times, I mean 

60% of the time it works all the time. But in Colorado, you can be represented by a 

seller agent, buyer agent or a transaction broker. What does that mean? Well, when you

have an agent, you have an advocate looking out for your best interests with fiduciary

duties to you. - The other thing that we like, as a lender, is we like that these guys

have done it many, many times. When you come to a lender and you're not represented it 

makes the transaction a lot more difficult for us as lenders and it makes it a little 

bit more difficult for you because you don't have somebody in your corner helping

you go through the lending and buying process. - Yeah, so let's recap why it's 

important for you to have an agent. - It's free. - And we're your advocate. - And simple

communication on the lending side. - So that's it for now. Tune in to our next show.

Thanks for watching.

Posted in Buying
July 28, 2017

Buying A New Home As A Senior: Financial Considerations To Take Into Account

Buying A New Home As A Senior: Financial Considerations To Take Into Account

By Jim Vogel


 

When senior citizens are facing a major move in their older years, there can be a number of factors to consider. Some seniors look to buy their dream home when they are ready to retire while others look at downsizing to make it easier to handle their living situation. Many older adults focus on aging in place while others need to consider moving someplace where they can get substantial assistance. In every moving scenario, there are financial issues to consider.

 

Seniors need to be cautious about sinking too much financially into a new home

 

MarketWatch cautions seniors to think about their financing decisions when purchasing a new home later in life. Some seniors have a significant amount of equity in a home they are leaving, so it is easy to put down a substantial down payment in order to ensure they have a low monthly payment. However, for some people, doing a minimal down payment and utilizing the rest of the prior home's equity to ensure they have adequate cash resources for living expenses makes more sense.

 

Some financial experts caution against taking out a new mortgage to buy a home in your later years. At the very least, for many seniors, decisions need to be made about where to downsize or cut back elsewhere in order to ensure that they can financially handle a new mortgage. Another potential issue is when seniors take on a mortgage, or a refinance, to help their kids with expenses, as this can lead to significant financial issues.

 

Alternatives to buying a home may be worth considering

 

In some scenarios, renting a place may make more financial sense than buying. According to Trulia, this is especially the case if retirees are not concerned about having a lot of equity in their home at the point that they pass away. The answer to whether it makes more sense to rent or buy as a senior depends a bit on the location and market, and this is where a financial advisor and realtor can be of significant assistance.

 

It can be a difficult adjustment for some older people to leave a house and head into a rental, but this is an option that can provide some flexibility, especially if health issues could become a concern and necessitate a different kind of move. There can be some significant costs involved in buying, such as realtor fees, upkeep, and taxes, and the financial commitment may be simpler to keep up with in a rental instead.

 

Creative financing options do exist for seniors ready to buy a new home

 

For some seniors, a reverse mortgage may be the way to go. HUD explains that a reverse mortgage allows seniors to access the equity in their house via this loan, and the loan is paid back once the senior no longer uses the home as their residence. However, this type of loan may not be a fit for those who live with someone else, who may not stay in the home long, or for those who would have trouble keeping up with the costs of maintenance, homeowners insurance, or property taxes.

 

In terms of obtaining for a mortgage as a senior, pensions, investments, and Social Security benefits can be utilized to qualify financially. However, those living on a moderate fixed income should be cautious about taking on too high a payment. In addition, there are some grants and loans available that are specially tailored to seniors, especially if they are first-time home buyers or low-to-moderate households, notes Sapling.

 

Buying a new home as a senior can be challenging. Continuing to own a home is important to many seniors who are focused on aging in place, but difficult decisions need to be made as the process moves forward. Financing options are available for older adults anxious to buy a new home, but there are additional options or creative solutions available as well for those who want to make sure that they do not tie up the money they need in their later years in a mortgage.

 

[Image via Pixabay]

 

 

 

June 16, 2017

Top 10 Summer Fun Family Activities

That's right. It's summer time! What many consider to be there favorite time of the year. With the sun shinning, and the beautiful Colorado surroundings there is more than plenty to do. In fact, one could possibly get overwhelmed when presented with the copious amounts of options they have to choose from. 

We are here to help! We have scoured through the countless event pages and websites to help narrow down some really great options for you. Here is our Top 10 Summer Fun Family Activities!

 (Links to all activities listed below. Click to find out more!)

 

1) Rocky Mountain Wild at the Cheyenne Mountain Zoo

 

 Visit us Here!

 

2) 20th Annual Broadmoor Open

  Visit us Here!

 

3) Pikes Peaks International Hill Climb FanFest

  Visit us Here!

 

4)Programs For Kids presented by the PPLD

  Visit us Here!

 

5) Public Skating at The World Arena

  Visit us Here!

 

6) Fort Carson Freedom Fest

  Visit us Here! 

 

7) Summer Of Discovery: Space Grow

  Visit us Here!

 

 

 8) Colorado Springs Labor Day Lift Off

  Visit us Here!

 

 

9) Colorado Classic

  Visit us Here!

 

 

10) Springs Spree

  Visit us Here!

 

 

Posted in Colorado Springs
May 1, 2017

3 Tips for Making the Moving Process Easier for Seniors

3 Tips for Making the Moving Process Easier for Seniors

 

Moving can be overwhelming for anyone, but it especially can be a daunting task for seniors. Climbing stairs, packing boxes, and lifting and carrying heavy boxes is enough to pose a risk to a senior’s health and safety, but moving heavy appliances and furniture is not a good idea for seniors. There are some ways to make the moving process easier, and we share three tips for seniors below.

 

1. Start Preparing Early

If you know that you will be moving in advance, start preparing for the move sooner rather than later. You should begin by taking stock of your belongings and downsizing. It is much easier and much less expensive to move fewer items than to move several. It also makes moving into a new home more pleasant because you won’t be cluttering your new space.

If you’re not sure how to begin downsizing and organizing, start in storage areas like a basement or attic. It is usually simpler to sort items that you don’t use on a regular basis than those that you use frequently and find it difficult to imagine living without. More often than not, the items that we store are those that we think we will use some day or are items that have some sentimental value.

You should be honest with yourself about your items when downsizing for a move. If you have not used an item for several months, put it in a donate or garbage pile. Some seniors find that asking their family members to help sort items makes the process easier. They can pack items to donate for you while you continue making decisions. And, if you have items that you want to give to your family members, doing so before the move is a good idea. Seniors also prefer having family members help sort and organize items because many of the items in their storage areas belong to their children or are from their childhood. Ask whether they want their items back; if not, donate them.

 

2. Hire Moving Help

While many seniors want to do as much of their own packing and moving as possible, it is a good idea to hire help. Moving services are available for packing, loading, unloading, and unpacking, and it’s easy to find reliable moving labor, compare prices, and read reviews on sites like this. Hiring moving services ensures that you get professional help and access to the experts when it comes to keeping your furniture, appliances, and keepsakes safe and sound whether you move across town or across the country.

Moving services also have the essential equipment and materials for moving your items as safely as possible. Professional movers use carts, straps, braces, bubble wrap, pallets, and other equipment that most people do not have. They know how to disassemble furniture, stack items, and pack belongings in the most efficient manner possible, which often results in saving time and in some cases money. More importantly, seniors do not have to risk personal injury or injury to their loved ones who offer to help move heavy items when they hire moving help.

 

3. Unpack in an Organized Fashion

It’s easy to focus on packing and moving, but you also need to have a plan for unpacking your items in your new home. If relocating is an emotional process for you, consider unpacking your bedroom and personal items first. You will want a good night’s sleep, and you will want to take a bath or a shower after the exhausting moving process. Prioritize your personal items, toiletries, and bedroom items so you can have a comfortable first night in your new home.

Keep in mind that you will not be as pressed for time when you unpack, so give yourself permission to take time to put things where they belong and make your new house feel like home. After you unpack and organize your bedroom and bathroom, unpack your kitchen so you can begin to prepare meals in your home. Be deliberate about which rooms you unpack and organize so you make comfortable living spaces for yourself quickly enough to feel positive about the move. And, be sure to display your keepsakes and mementos so your new space truly feels like home.

For seniors moving to a new place, the process involved can feel overwhelming and intimidating. To make the moving process easier, start preparing early, hire moving help, and unpack in an organized manner to make your new place feel like home.

 

Author: Jim Vogel

April 19, 2017

Tiffany Canady Recognized As Top Agent For Colorado By Top Agent Magazine

Tiffany Canady was featured for the state of Colorado in Top Agent Magazine in recognition for her hard work and dedication of service. Tiffany is joined by her husband Brian Canady, and backed by a passionate team that is constantly striving to provide a level of service that is unrivaled.

The Canady Team is Colorado Springs premier concierge for All Things Real Estate. In an effort to provide resources and direction for their clients The Canady Team has built a directory of services. From roofers, to preferred local lenders, to general contractors the All Things Real Estate Directory has a top notch recommendation. One they can stand behind, and know will meet All Thing Real Estate’s level of standards.

“The Extra Mile Is Seldom Crowded” is The Canady Team’s Motto. In every aspect of the business The Canady Team sets to place themselves in a league entirely of their own when it comes to customer service and the care of their clients. This is one of three mantras’ that the team lives by.

The second one is “Teamwork Makes The Dream Work” and works as a reminder of how important the team model is to providing the level of service they are committed to. Communication, knowledge and an ironclad support system ensures that the ball is never dropped.

This service starts from the second someone calls, emails or submits an inquiry on a property. They will be immediately contacted by one of the Team’s Concierge. All Things Real Estate is the premier concierge for real estate in Southern Colorado. They are knowledgeable and are always available to facilitate any of the client’s questions or needs. Multiple active buyer’s agents on the team ensures that someone will always be available to show homes at their clients convenience not at the convenience of the REALTOR®. In Colorado we are experiencing a very hot seller’s market. It has been a record low for inventory, and that means it has become very competitive for buyers. That is why it is so important to have a great team working on your behalf as your advocate.

“Fall In Love With Your Client. Not Your Product.” This sentiment is at the very core of The Canady Team’s belief system. For The Canady Team the reason they are in this business in particular is not to make money, but to do service for others This thinking drives everything the team and the individuals who make up the team does. It is a culture that Brian and Tiffany have designed very mindfully. Only people who fit this ideal, are a good fit for the team.

 

Posted in Colorado Springs
March 31, 2017

The Canady Team donates hockey sticks to our troops

The Canady Team sends hockey sticks to soldiers

Brian & Tiffany Canady got a call from a client who was over seas protecting our country and freedom. Vince called and asked if we could help round up a few hockey sticks to allow them to play "Sauce" while in between missions. Brian got on the phone and reached out to some fellow hockey players if they would be willing to donate any hockey sticks. Mike Dugan, a friend of Brian donated a few hockey sticks and then Brian went to the store and bought a few to send to Vince overseas. Great job by Mike Dugan, Sauce Hockey and The Canady Team for helping put together some fun activities for our soldiers. Have fun Vince! 

 

Posted in Misc
March 14, 2017

Tips for Elderly Home Buyers

Tips for Elderly Home Buyers

SRES Senior Real Estate Specialist

Photo courtesy of Pixabay by frabre

 

Advances in healthcare and in-home care are allowing more and more seniors to live independently later in life. This has allowed many people to enter the buying market and purchase homes well into their golden years. Perhaps this is why some studies have even suggested that senior home buyers are making up a larger number of new home purchases these days than other generations, including millennials or Gen Xers.

 

Why are more seniors buying homes? The answers to this question are as diverse as the seniors themselves. Many people decide to make a move during their golden years. Some people want to downsize from a larger, multi-level house into a smaller, one-story home. Other people decide they are tired of living in a cold climate and want to move closer to the beach. And some people choose to keep their current home while purchasing a second home to allow for more travel and flexibility.

 

If you (or a loved one) are considering purchasing a home during life’s Golden Years, here are a few tips for a smoother experience:

 

1.    Search for the “cream puff”
Cream puff? No, I’m not talking about a delicious treat you might serve during the holidays. A “cream puff” home is a realtor’s way of describing a home that has been so babied by its previous owner that it is in pristine condition and most likely not in need of repairs. This type of home is ideal for elderly buyers. Although cream puff homes are elusive and therefore more expensive up front, they can save you effort, time and money because most cream puff homes may not require repairs for up to five years.

2.    Find the right movers.
When we are young, it can be easy to tempt our strong, healthy friends and loved ones with pizza to help us move. As we age, moving becomes an increasingly difficult (and more emotional) process. Don’t despair; you can still find help moving by enlisting a third party moving company. There are even specialists out there who enjoy helping seniors move into their new homes.

3.    Get financed.

Contrary to what some people might tell you, you are never “too old” to buy a new home. There are plenty of banks and lenders out there who offer home loans to seniors. Just be careful to consider the length of the mortgage, and how it might affect your loved ones if you are not able to make all of the payments as planned. Another important consideration is whether your retirement income will allow you to make your monthly payments. Just because you qualify for a home loan doesn’t necessarily mean that particular loan is best for your unique situation. If in doubt, consult with a financial advisor before making your final decision.

 

Regardless of your personal situation - whether you’re looking for an oceanside home to retire to, or just looking to downsize from your current home - there are many things to consider when it comes to buying a home as a senior. It is very possible to find your dream home later in life. Having a solid plan in place for the coming  years will help you find clarity in making the decision that is best for you.

 

 

Author: Jim Vogel

Feb. 8, 2017

Breakfast With The Builders Presented by the Housing and Building Association of Colorado Springs

Every year the various home builders and developers of Colorado Springs gather for the Breakfast With The Builders. The Housing & Building Association of Colorado Springs puts the event on as a great opportunity for REALTORS® to meet with all of the builders and get familiar with their floor plans and offerings. This year the Breakfast With The Builders was held Tuesday Feb. 8th from 8:30-11:00am at the Mortgage Solutions Financial Expo Center. The purpose of this trade show is to kick off the 2017 building and selling season. Bringing the HBA builders and developers together to meet with community REALTORS® the event is an excellent platform for those in the real estate industry to meet and network. 

The event is a fun way to bring everyone together as a sort of a way to "break the ice" for professionals in supporting industries. The owners of booths set up were encouraged to participate in a theme and engage their audience. Amongst the most successful booths were Vanguard HomesEmpire Title and Classic homes. With a "Duck Hunters" theme the Empire Title booth encouraged passers-by to try for a prize and hunt a rubber-duck out of a pond with a corresponding prize. Vanguard Homes took everyone back in time with their "Grease Lightning" theme, and were giving away a TV. The most successful booths engaged their audience, captured them and found a way to retain their interest. Good REALTORS® are knowledgeable about their community. The best REALTORS® have their thumb on the changes and trends their market is experiencing.

The Canady Team is your source for All Things Real Estate, and your trusted advisor in building and development. Tiffany Canady sits on the board of 

If you are looking to buy or sell your home in the Colorado Springs area The Canady Team has got you covered. We specialize in new-home builds and relocation. Check out our Home Builder Directory here. Give us a call at 719-999-5789 or visit us online at www.buysprings.com 

Posted in Buying
Jan. 18, 2017

Holiday Season Is A Time For Giving - The Canadys give back $1000 Cash to HBA Cares of Colorado Springs

 

Brian Canady Gives back $1000 Cash to HBA Colorado Springs

We here at All Things Real Estate believe that the greatest gift is the gift of giving. The Canady Team lives by a fundamental core belief of giving and service. That is why we are in this business.

On Wednesday December 7th The Housing and Building Association of Colorado Springs held their annual Holiday Party at the extravagant Johnny Martin's Car Central in downtown Colorado Springs. 

Brian Canady of All Things Real Estate and The Canady Team was the lucky recipient of the Top Prize that was raffled away that evening. 

Brian was the lucky winner of $1000 COLD HARD CASH. Who couldn't use an extra THOUSAND DOLLARS right before Christmas and the Holiday season?? 

The Canady Team's philosophy centers around service to the community, and being the core of The Canady Team they chose to lead by example. 

Brian turned around and gave the entire winnings directly back to HBA Cares. HBA Cares’ primary mission is to assist other non-profit agencies with construction needs or housing/construction related programs supporting Pikes Peak Region individuals and families.

On this historic evening, The Housing and Building Association of Colorado Springs writes, "Thanks to all those who helped fill the barrel with donations for the Springs Rescue Mission, and a special shout out to member Brian Canady of Premier Real Estate Group (pictured) who won the $1,000 HBA Cares raffle - and donated it right back to HBA Cares!"

Posted in Colorado Springs