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The NHA loans are guaranteed by requir- ing the borrower to pay an insurance fee of 1% of the face value for home owner» ship and 1%% for rental housing. This insurance fee is added to the loan and paid off in proportional monthly installments over the life of the loan. This is the lend- er's protection against loss. The NHA mortgage is a home loan insured by the National Hous- ing Act. The NHA does not actually lend you the money (in most cases), it only insures the mortgage. So, you start- with the private lending in- stitution from’which you want to obtain the mortgage. They will arrange to inspect the property and have it appraised by the CMHC. F umqb'\t\gfi ‘ expenwence. THE NHA LOAN BAYVIEW â€" THORNHILL WHY PAY RENT? $420 monthcarries this immaculate Town home, 4 appliances, new broadloom, all draperies, finished family room, 11/2 baths, garage. Call Beverley Pollock 889-8181, Res: 636-1243. RICHMOND HILL Try $6,000 Down. Attractive and clean brick home, 3 bedrooms, 2 complete baths, fireplace, nice kitchen, garage, 354 deep lot, trees and garden. Immediate possession! Call Herb Hoover 889-8181, Res: 884-8496. THORNHILL Try $6,500. Cash down. Detached 4 bedroom home, 61 x 163 ft. lot newly decorated. 1 block to Yonge St., near all schools, im- mediate possession. Call Mr. Keffer 889- 8181, Res: 889-2315. $55.900â€" TRY $5,000 DOWN 4 Bedroom brick bungalow, twin, backing onto parkland, eat-in kitchen, 23 ft. living room, large rec room, move in condition. Mr. Fenwick 889-8181, Res: 884-1436. MAPLE BUDGET CONSCIOUS Here is the bargain you’re looking for. Super clean bungalow on 60 ft. x 150 ft. lot, 3 twin sized bedrooms, basement finished in knotty pine, 16 x 32 above ground pool, quality constructed in A1 condition. Helen Train 889â€"8181, Res: 889-6078. Your reasons for selling can be varied and usually easily apparent to you. Your feelings about the house at the time a sale is possible, might sneak up on you and distract your practical approach to re- viewing an ‘otfer to purchase". Difficult though it may sometime be â€" when you are selling a house: keep and treasure your memories foryourselt â€"â€" and offer for sale â€" A HOUSE! On the other hand. if you feel you are selling your home. you might place yourself in the position where you can be offended. If upset by the offered price. Or some special item requested in the offer, it's possible to loose not only your objectivity, but also the sale you want. A buyer is not likely to place any value on your memories. sentiment or labour of love you have in a house. He may no} even use it in the same way you have used it. Your attitude toward the sale of your property can be a distinct advantage to you. Once you put your home on the market try to think 01 it as a purchaser would â€" as a house. This should keep you in an objective frame of mind, allowing you to deal with the marketing and sale more effectively When you are selling your property ask yourself what the purchaser is buying. Is he buying a house. or your home? ' A HOUSE or YOUR HOME? we; YORK REGION REAL ESTATE BOARD Realtor H.s. SADLER FRI. R.P.A. ONTARIO LAND ECONOMIST EMERALD ISLE‘HEAL ESTATE lTD “Estate Usually the interest rate and down payâ€" ment on these loans are a little lower than conventional loans. 80 why doesn't everyone use an NHA loan? Because there are some drawbacks too. There is a statutory limit on the amount of money which can be loaned based on the type of housing and the borrower’s gross income. Also, there can be a great deal of red tape and delay involved and some pro perties may not be able to pass the rigid NHA inspection stan» dards to qualify for the loan. We’re here to help! If there is anything we can do to help you in the field of real estate, please phone or drop in at EMERALD ISLE REAL ESTATE LTD. 102128 Yonge St. Richmond Hill. Phone: 8842377. JACK BlYTH “'0. 773-5241 883-3939 EXECUTIVE 5 BEDROOM $164,000.00 Custom built sidesplit. Formal living- dining room. Family room with fireplace, bar plus walkout to pool. Owner anxious. Call Bruce Crowder, 221-5515. EXCEPTION AL SEMI Immaculate 3 bedroom bungalow, close to everything. Separate dining room. Finished rec room with fireplace. Vendor has bought. Asking $57,500. Bruce Crowder, 221-5515. HOME OWNERS We have a number of clients extremely interested in purchasing a home in your district, several of these people have ex- pressed willingness to wait for possession. It presents an opportunity should you be contemplating a change. We .shall be pleased to advise you as to the present market value of your property (there is no obligation). A call to Harry Pridham will assure you of immediate attention. Direct Line 832-1064. COMMERCIAL PROPERTY Property plus building. Prime parcel â€" Yonge St. frontage, Richmond Hill. Building 55’ x 60’, will sell or rent. For full information, call Harry Pridham, direct line, 832-1064. OWNER TRANSFERRED â€" $89,900.00 This 5 bedroom, spotless home offers gracious living, family room with brick fireplace on the main floor, new top quality broadloom, air conditioned, immediate possession. TO INSPECT THIS HOME CALL MRS. JACOBSEN. ZACRES PLUS KING CITY Brick Home â€" 2 storey older style full basement, shed, close to transportation. Ideal for Horse lovers, REDUCED TO $89,900.00. BAYVlEW - MARKHAM $7 - 10,000 DOWN Quiet, child safe street, fully detached brick bungalow, 3 bedrooms, bright kit- chen, large living-dining room. Open basement, private, fenced lot. CALL LU DOBSON or DAVE HODGES. THORNHILL GREEN $95,900 5 YEARS NEW Beautiful split entrance bungalow. 4 kingsize bedrooms, Hollywood kitchen with walkout, Lâ€"shaped living-dining rooms. Panelled family room, log burning fireplace, walkout basement, 2 car garage, pool size lot. CALL KEITH HOOD. CROSBY - BAYVIEW $52,500 â€"â€" SPOTLESS 3 bedroom brick home, bright modernized kitchen, sunny living room, dining room, rec. room, private lot. Ideal location. CALL LU DOBSON or DAVE HODGES. FOR FAST PERSONALIZED SERVICE CALL 226-9822 CHRISTMAS PRESENT FOR ALL THE FAMILY Brick Bungalow, large kitchen with eating area. Basement fully finished â€" bedroom, playroom, rec. room. Wall to Wall Stone Fireplace. Well landscaped lot with many trees. 165 ft. frontage $79,900.00. ’ MAKE AN OFFER Brick Bungalow, finished basement with 4th bedroom, rec. room, laundry area and workshop. Heated mudroom, broadloom â€"â€"- Fireplace. Asking $75,900.00. OAK RIDGES â€" 94 ft. FRONTAGE Features â€" 3 bedrooms, full basement, garage, walk-out. Existing $40,000.00 mortgages. JUST, $79,900.00. ‘ 8844377 Members of York (hunt); Ontario «3; ('unadian Association of Rval Hslau' Boards 773-4391 lllllllllllllllllllllllllllllllllllll 884-2498 WIN WITH A WINNER Think about it! After all, tomorrow’s success depends on the decisions you make today, Guarantee your place! We are looking for sales persons who want to shape their future! Call for a confidential interview NOW! HOWARD 8. LEE REAL ESTATE LTD. 297-2223 We’re happy to announce that we’ve associated with one of the largest and fastestâ€"growing Real Estate Organizations in North America. So now we are International! If you join our Organization, you will have every opportunity for success! You will receive the personalized help and attention of a small Company, since we are independently owned, and there is no danger that you will get lost in a corporate shuffle. You will be close to top management â€" our offices stay vital and dynamic because they are locally owned. In every way we offer a better chance to get you where you want to be! YOU ARE TRAINED BY EXPERTS It’s the important foundation for any career. And it is probably the single most important reason why you should join us! Our training is very comprehensive. You’ll learn every phase of selling, from forms to telephone procedure. From how to list to how to close! The classes are conducted by skilled instructors who give you the benefit of their years of experience! When ,you complete this training, you’ll have the knowledge, skills and confidence you need for a rewarding career with our Company. YOU ARE BACKED BY MASS ADVERTISING Our Organization will provide all the advantages of massive advertising; your prospects will read about us in full-page newspaper ads, hear about us on radio, see us on television and see our signs all over town! Thus, an important part of the selling job will have been done for you. DYNAMIC SALES TOOLS You are supplied with professionally prepared brochures and direct mail literature, colour audio-visual film and many other aids. YOU’LL HAVE MORE ACTION With massive advertising and a nationwide referral service, you will have opportunities to generate countless prospects; also a listing ex- change service supplemented by all the major Multiple Listing Services. RICHMOND HILL BUY LOT 50 x 181 -â€" ASK $56,900 Detached home has 3 bedrooms, family kitchen, com- bination livingâ€"dining, full basement, dead end street, quiet residential area, CALL TERRY MACEY. MOVE IN FOR CHRISTMAS OWNER TRANSFERRED Brand new 3 bedroom, 2 storey home in Baif Subdivision, sacrifice for just $56,800. Owner says “make an offer”. CALL BRAM OGDEN. “Ask about our 6 per cent a . Purchaser Assistance JIM GAUGIIAN Program" MANAGER ' RICHMOND HILL BARGAIN 5 BDRM. SPLIT LEVEL Combination livingâ€"dining area, bright kitchen, large family room, 2 fireplaces, 2 washrooms, large private well treed lot on a quiet ’court, move in now, asking only $83,500.00, including many extras, CALL DICK PLUMMER. ' QUIET CRESCENT LIVING 3 BEDROOMS! 2 BATHS! ONLY $53,900 This Richmond Hill brick special offers possession to suit, possibility of Apt. for in-laws, fridge & stove, fenced yard, close to schools and transportation, CALL KARL SPRACKLIN. RICHMOND HILL SOUTH $543,000 DOWN!! v Charming 3 bedroom TOWNHOUSE, family eat-in kit- chenvseparate dining room, 17 ft. living room, walkout to full length balcony; broadloomed, professionally decorated throughout, garage, CALL DENISE ELLIOTT. * A REAL CHARMER 225' TREED LOT Richmond Hill! Steps to Yonge! Living-room with fireplace, separate dining, eat-in kitchen, 3 bedrooms, 18’ rec room, older up-dated home, garage, $61,500, CALL KAREN CHARITON. MAPLE FANTASTIC Must sell. Immediate possession. Beautiful side-split, 3 bedrooms, fabulous family room, stone fireplace, on large lot, 61’ x 145’, garage, all appliances. Walk to Plaza, bus to subway. Edward Gaughaz, 2:25 2013 or 223-2110. "The sign that makes the diffe’rence’ Experienced or beginner Sales Personnel wanted New office opening in Newmarket HOWARD 8. LEE HOUSE OF THE WEEK REAL ESTATE LTD. KING TWP. Owner will swap for Thomhill house. Has 1/2 acre, immaculate 1974 2 storey, 10 rooms, exit Hwy. 400. Only $106,000. Needs split or 2 storey, under 2,000 sq. ft., with fireplace, around $90,000. Call Jock Isenhardt, 881-3232. Royal Trust Corpotation of Canada of. low/{DH Group Refilty Limited RICHMOND HILL STARTER NEED ONLY $3,000 DOWN 3 bedroom brick bungalow, large combination living- dining area, bright kitchen, finished rec room, must be sgen. CALL JOAN MAZER. A A RICHMOND HILL DREAM l ACRE LOT 206 x 200 Immaculate home, designed & built by owner, 4 bedroom brick bungalow, hollywood style kitchen, finished basement, family room with stone fireplace & kitchen, ceramic tile floors, walk-out to garden, CALL LAURA MANGIALARDI. THORNHILL BUNGALOW , $64,900 DETACHED Just 2 blocks to Yonge Street, unique home, large separate dining room, modern family kitchen, 2 good sized bedrooms, on large treed lot, built in garage, new broadloom, new furnace, CALL TOM McKEAGE. QUIET CRESCENT LOCATION $67,900 BRICK BUNGALOW 3 Kingsize bedrooms, garage, broadloom, L-shaped living-dining, fireplace, rec room, bar, games room, eat- in kitchen, owner has bought, CALL ALEX WEHRENS. STARTER HOMEâ€" 4 YRS. NEW RICHMOND HILL $46,000 DOWN Large kitchen with separate eating area, living room, dining room, 3 queen size bedrooms, hardwood floors, and full basement, immediate possession if desired. CALL MELANIE KING. We can help you boy or sell anywhere in Canada through Nationwide. For prompt effective action selling your home, CALL JIM GAUGHAN. THE LIBERAL. Wednesday. December 14, 1977 â€" B-7 Town®Coumrf THORNHILL $39,900 â€" Royal Orchard â€"- Yonge. 2 bedroom, 2 baths, 4 appliances, broadloom, 2nd floor, TTC, plaza shopping at door. Call Mr. Windsor. RICHMOND HILL $79,900 â€" 2 years new. 4 bedroom home, walk-out from living room, broadloom, finished rec. room. 2 washrooms, attached garage. Call John Cryer. OAK RIDGES Charming, easy to live in, contemporary 2 storey brick home with attractive Mansard roof, huge kitchen, with built-in dish- washer, gives you happy spot for menu planning, large 50’ x 265’ lot. Asking $75,900. Cal] M. Zucker, 857-0651 or Res. 893-1938. THORNHILL $99,500â€"Bayview-Steeles. Made for living, home with main floor family room with fireplace, inground pool, broadloomed thruout, finished lower level, double garage, air conditioned with purifier. Al Richardson. NEWMARKET $53,500. As is. Unfinished 3 bedroom split entrance bungalow. This home is situated on a 50’ x 155’ lot. Large eat-in kitchen, gas heating, one 4 piece washroom. Call John Cryer.‘ Properties Division ‘ BAYVIEW â€" STEELES Elegant beautiful 5 bedroom, circular stairs, ov r 3,000 sq. ft. on 2 floors plus finished ower level (includes maid’s quarters). $225,000. Irene Benoit, 889â€"9330. $5,500 DOWN TO IST MTGE. Excellent buy on spacious 3 bedroom townhouse in the heart of Thornhill. Near all services. Large fenced yard. Irene Benoit, 889-9330. GUARANTY TRUST C0. OF CANADA 883-1721 ' 727-1201 Represented in 71 Cities Across Canada 857-0651 Young & Biggin REALTY WORLD |l|||||||||l HlllllllllllllllllHH “A A“ CALEDON REGIONAL OFFICE 6 QUEEN ST. N. MEMBER BROKER LIMITED REALTOR SUITE 201 BOLTON, ONT.