Your Local Expert

Your expert on local

Santanna Thom at work

Expert

Having relationships with photographers, stagers, bankers, inspectors, lawyers, insurance agents, plumbers, electricians, contractors and everything in between is so important to me to be able to give full service from the get go. My goal has always been to give you the best service and make it as stress free as possible.

I am very PASSIONATE ABOUT CUSTOMER SERVICE. I understand that a home purchase is a big investment and can be a complex transaction. I understand both the complex business of real estate and the importance of family and home. I can take care of the details of a home purchase so you can focus on finding a place to call home.

And I never charge buyers for my experience or services.

Local

99% of my business is right here in the MD of Willow Creek.

Being a part of this area for 20 years, growing a family here, and being a third generation realtor in this area has shaped me into the realtor I am today.

Sitting on multiple boards, like chamber of commerce, rodeo club and more, I see everyday the hard work that goes into making Claresholm the community it is today.

Which makes me proud to collaborate with local businesses when it comes to buying or selling in the area!

Santanna Thom at Claresholm's Agriplex

HOME BUYER'S GLOSSARY

AMORTIZATION SCHEDULE

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

Equity

The process of determining the market value of a property.

Mortgage

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.

Term

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.

Questions

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