Innisfail

Innisfail, Alberta, is a vibrant community located just 20 minutes north of Red Deer, offering a unique blend of rural charm and modern amenities. Known for its picturesque setting and small-town hospitality, Innisfail is surrounded by beautiful landscapes, including the scenic Red Deer River Valley. The town is home to a rich agricultural heritage, with farming and ranching playing a key role in its economy, while also boasting a variety of local businesses, parks, and recreational opportunities. Innisfail is famous for its annual events, such as the Innisfail Pro Rodeo, which draws visitors from across the region, as well as its strong sense of community, with active organizations, schools, and family-friendly activities. Outdoor enthusiasts can explore nearby hiking trails, fishing spots, and golfing at the Innisfail Golf Club. With its welcoming atmosphere, thriving local economy, and proximity to larger urban centers, Innisfail offers a perfect balance of rural tranquility and urban convenience.

Innisfail

Innisfail, Alberta, is a vibrant community located just 20 minutes north of Red Deer, offering a unique blend of rural charm and modern amenities. Known for its picturesque setting and small-town hospitality, Innisfail is surrounded by beautiful landscapes, including the scenic Red Deer River Valley. The town is home to a rich agricultural heritage, with farming and ranching playing a key role in its economy, while also boasting a variety of local businesses, parks, and recreational opportunities. Innisfail is famous for its annual events, such as the Innisfail Pro Rodeo, which draws visitors from across the region, as well as its strong sense of community, with active organizations, schools, and family-friendly activities. Outdoor enthusiasts can explore nearby hiking trails, fishing spots, and golfing at the Innisfail Golf Club. With its welcoming atmosphere, thriving local economy, and proximity to larger urban centers, Innisfail offers a perfect balance of rural tranquility and urban convenience.

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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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