Lacombe

Lacombe, Alberta, is a charming and picturesque town located just north of Red Deer, offering a peaceful small-town atmosphere with easy access to larger urban centers. Known for its rich history and well-preserved heritage, Lacombe features a historic downtown area lined with century-old buildings, local shops, and restaurants that highlight its early 20th-century roots. The town is also renowned for its strong sense of community and commitment to preserving green spaces, with beautiful parks and walking trails, such as the popular Michener Park, offering opportunities for outdoor recreation. Lacombe’s economy is supported by agriculture, as well as growing sectors in retail, education, and services. The town is also home to a vibrant arts scene and hosts various cultural events throughout the year. With its friendly atmosphere, strong community ties, and scenic surroundings, Lacombe is a desirable place to live, work, and visit.

Lacombe

Lacombe, Alberta, is a charming and picturesque town located just north of Red Deer, offering a peaceful small-town atmosphere with easy access to larger urban centers. Known for its rich history and well-preserved heritage, Lacombe features a historic downtown area lined with century-old buildings, local shops, and restaurants that highlight its early 20th-century roots. The town is also renowned for its strong sense of community and commitment to preserving green spaces, with beautiful parks and walking trails, such as the popular Michener Park, offering opportunities for outdoor recreation. Lacombe’s economy is supported by agriculture, as well as growing sectors in retail, education, and services. The town is also home to a vibrant arts scene and hosts various cultural events throughout the year. With its friendly atmosphere, strong community ties, and scenic surroundings, Lacombe is a desirable place to live, work, and visit.

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HOME BUYER'S GLOSSARY

AMORTIZATION PERIOD

The number of years it takes to repay the entire amount of the financing based on a set of fixed payments.

APPRASIAL

The process of determining the market value of a property.

CLOSED MortgageS

A mortgage that can not be prepaid or negotiated for a set period of time without penalties.

Closing date

The date on which the new owner takes possession of the property and the sale becomes final.

Collateral

An asset, such as term deposit, Canada Savings Bond, or automobile, that you offer as security for a loan.

Deposit

A sum of money deposited in trust by the purchaser on making an offer to purchase. When the offer is accepted by the vendor (Seller), the deposit is held in trust by the listing real estate broker, lawyer, or notary, until the closing date of sale, at which point it is given to the vendor.

Equity

The difference between the market value of the property and any outstanding mortgages registered against the property. This difference belongs to the owner of that property.

MORTGAGE

A mortgage is a loan that uses a piece of real estate as a security. Once the loan is paid-off, the lender provides a discharge for that mortgage.

Term

The period of time the financing agreement covers. The terms available are; 6 month, 1,2,3,4,5,6,7,10 year terms, and the interest rate will be fixed for whatever term one chooses.

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