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Found 378 entries published by Justin Havre.

How to Lower Your DTI to Get the Loan of Your DreamsThe debt-to-income (DTI) ratio is not the only number that lenders use to decide on a candidate, but it is an important tool that can augment the buyer's credit score. Unfortunately, even those with impeccable credit may still miss out on their dream home if their debt levels are too high. Find out more about how to calculate the ratio and what it takes to make it a little more palatable to lenders.

For informational purposes only. Always consult with an attorney, tax, or financial advisor before proceeding with any real estate transaction.

The Golden Ratio

DTI is calculated by debts to income. These debts include the following:

  • Credit card debt
  • Car loans
  • Student loans
  • Mortgage payments
  • Official home fees (e.g., condo, HOA,
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Where Are the Best Retro Calgary Diners to Grab Dinner?

Tired of asking your friends and family where they want to go for dinner? It is a conversation where everyone has a different opinion, and every time it ends up resulting in going to a place that no one really loves in particular but that everyone knows.

Well, it is time to introduce something new with something old! If you are looking for an amazing new place to eat in Calgary, then check out some of the retro Calgary diners in and around YYC. These gems have been around for years and are still serving locals with some of the best eats in town! Re-introduce retro experiences and great eats into your outings with these local spots that will satisfy every craving - talk about a #throwback!

Phil's Family Restaurant

Phil's Diner in Calgary

Of the many remaining

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Pubs to Celebrate St. Patrick's Day in Calgary

On March 17th, Calgary will turn green in celebration of the famous Irish holiday, St. Patrick's Day! While this day has historic cultural and religious roots, it has become a day experienced not only by the Irish, but everyone across the country! It is a time to come together with friends, don green apparel, decorate yourself in shamrocks, and drink a green beer! Looking for the best pubs (or other establishments) to celebrate St. Patrick's Day in Calgary? Take a look at these local hotspots that will be sure to help you "feel the luck of the Irish" and in and amongst the green, will keep you invisible from pinching leprechauns!

Ceili's Irish Pub and Restaurant (Green Beer)

Ceili's Irish Pub & Restaurant

It doesn't get more authenticly Irish than the most recognized Irish

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What is Deferred Maintenance?Home buyers have a lot of things to keep in mind when looking for a new Forest Heights home. Does it have enough bathrooms? What are the countertops made from? Does it have room for a growing family? While these are all valid questions, home buyers should also be asking themselves, “Does it have any deferred maintenance?” Deferred maintenance is extremely important to look for when buying a home because it can save the home buyer from being surprised later on. Here is everything home buyers should know about deferred maintenance and what they can do about it.

What is Deferred Maintenance?

Deferred maintenance refers to any necessary repairs that should be done on a home that the homeowner has postponed. Homeowners often defer their home’s

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Things to Do in Calgary, AB, This March

Is the worst behind us? If you are looking forward to plus Celsius temperatures and are ready to escape your winter hibernation, now could be the time to start planning your evenings and weekends out! The city of Calgary is excited about Spring (even though it may still snow yet), and there are some extraordinary events coming your way. In the month of March, you can expect events from grand foodie occasions like the "Avenue's Best Restaurants 2020" event, to the famous "Masters of Illusion" show. Whichever thrills, tastes, and specialized festivals you are looking for, you'll find it this month!

Ready to book your calendar and get out in the warming air to play, relax, and enjoy? Take a look at the many exciting things that you can do in Calgary

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Setting Up a Home Office? These Tips Can HelpA good home office can make working at home a pleasant, productive, and enjoyable experience. The way you set up your Applewood Park home office can have a big impact on how well you perform at your job. If you've never created a home office before, these tips can help you through the process.

1. Create a Calm Working Environment

Most people need a calm working environment free from distractions. There are many things a homeowner can do to make their working environment a calm, zen-like place.

  • Paint the walls in a cool, calm color, like gray-green, gray-blue, or simple gray.
  • Install a door that can be shut during office hours, if there is not already a door in place.
  • Landscape the part of the yard that can be seen out the office
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The Best Calgary Bookstores to Visit

If you enjoy the smell of pages, books lined perfectly on a shelf, and the comfort of a cozy reading chair, then you must be a reader! Whether you are a fan of magic and dragons or a true crime novel, there is so much available to read. In a single lifetime it is impossible for us to read all of the books we want to (according to Alan Kay, we might only read 1% of them in a lifetime!), but that doesn't mean we can't try!

Looking for a book to dive into during the cold months? Or perhaps you need an beach read that will keep you hooked all vacation long. Whatever type of "bookworm" you are, there are plenty of amazing local Calgary bookstores that have the stories you didn't even know you were looking for. Here are the best bookstores in Calgary for

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What Owners Should Know Before Constructing a New Home AdditionRising property values and a growing need for more space makes a home addition construction project sound like a keen idea. Yet, renovations involving new additions can be extremely pricey and stressful to boot. Here are some tips for mitigating constructing a new addition in your Erin Woods home without blowing the budget and questioning your rationality.

Evaluate the Home's Structure with a Design Pro

The value of hiring professional contractors, designers and architects cannot be overestimated when planning a home addition. Even if the work will be performed DIY, expert help can prevent serious, costly errors, especially in the initial stages. For example, a home's structure literally dictates what type of additions can be constructed through

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Calgary Fitness Centres & Gyms

Can you feel it? That reignited flame of motivation? It is this renewed spirit that inspires us to get to the gym to tone, lose weight, get fit, and burn off all of those Christmas goodies we ate. But as New Year's resolutions often go, the excitement begins to fade after a few weeks of focused determination. Want to stick true to your resolutions and accomplish your goals without losing focus? Take a look at the various Calgary Fitness centres and gyms that will help you stick with your New Year's resolutions and accomplish greatness!

Orange Theory Fitness

Calgary Fitness Locations: Orange Theory

If you are seeking a gym that focuses on the science behind a good workout, then you will want to check out Orange Theory Fitness! Every one-hour class is different, but each class focuses

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Is a Deck Worth the Cost of Installation?A deck can be the perfect addition to a home for a variety of reasons. Backyard parties, improved resale value, a rewarding summer project: a deck can be just what everyone needs to really enjoy the outdoors again. But a deck also comes with its fair share of potential complications, and could even land a homeowner in legal hot water. See why it's time to move forward and when homeowners may want to hold back.

Local Restrictions

When homeowners have their own property, they may think they have the right to make changes to it however they like. But because one home may affect the land of another, there are ordinances that may restrict or even prevent home renovations. Those in HOAs likely don't need to be reminded of this, but people who live in

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