December Foreclosures
  
Abbotsford attached
Abbottsford Detached
Burnaby Attached
Burnaby Detached
Langley Attached
Langley Detached
Maple Ridge, Pitt Meadows Attached
Maple Ridge, Pitt Meadows Detached
Mission Detached
New Westminster Attached
North Vancouver West Vancouver Attached
North Vancouver West Vancouver Detached
Port Coquitlam, Coquitlam, Port Moody Attached
Port Coquitlam, Coquitlam, Port Moody Detached
Richmond Attached
Richmond Detached A
Richmond Detached B
Richmond Detached C
Sunshine Coast
Surrey Delta Cloverdale Detached A
Surrey Delta Cloverdale Detached B
Surrey, North Delta, Cloverdale Attached
Tsawwassen, Ladner Attached
Tsawwassen, Ladner Detached
Vancouver East Attached
Vancouver East Detached
Vancouver West Attached
Our December list of Vancouver Lower Mainland properties listed for sale through the foreclosure process has once again been provided by P.A. "Doc" Livingston, PREC.
Feel free to reach out to "Doc" if you would like more information about these properties and contact me if you would like to know how arranging financing for a foreclosure purchase is different than a traditional real estate purchase.
Renewal Readiness: Steps You Should Take Every 5 Years
Most borrowers sleepwalk into renewal.
They get a reminder from their lender, sign whatever shows up, and move on. That habit can cost thousands in unnecessary interest.
A renewal is one of the few moments where you can renegotiate from a position of real strength. The lender wants to keep your business, and you have time to set the terms.
This is your five-year preparation checklist to make sure you capture the savings that many borrowers leave behind.
READ THE FULL ARTICLE HERE
If You Passed Away Tomorrow?
If you passed away tomorrow, would your family know where to find anything?
If the answer is no, this article is for you. I’m talking about something most people avoid, but every family needs.
It’s called an “In Case of Death” folder on your computer. And this will be one of the most valuable things you ever leave behind for your loved ones. When someone passes away, families are left scrambling for documents, passwords, accounts, and instructions. A simple folder can prevent months of stress, confusion, and even financial loss.
So here’s exactly what should be inside. The first sub-folder should contain your personal identity documents. These are often the hardest things for families to find. Include your birth certificate, your marriage certificate, your driver’s license, and any provincial ID. Anything that confirms who you are and who should handle your affairs.
The second folder should contain your legal and estate documents. This includes your last registered will, your power of attorney, your health care directives, and your succession certificates. If you have minors, this is also where you keep all legal guardianship documents. These documents decide everything if something happens, so keep them easy to find.
The third folder should contain all your financial assets. Add your bank account details, investment information, and safety deposit box location and key details. Include all loan documents and all insurance policies as well. Your executor can’t manage what they can’t find.
The fourth folder should contain everything related to real estate you own, and any business documents if you own a company. Add your property agreements, mortgage agreements, rental agreements, and business succession plans. This makes transferring or managing your assets far simpler. The fifth folder should contain your digital assets. This includes your domain names, email addresses, user IDs, and passwords. Ideally, use a password manager that automatically sends access to your emergency contact if you’re inactive for 30 to 60 days.
Finally, make sure a trusted family member or lawyer knows this folder exists and can access it. Setting this up takes less than an hour, but it can save your family from months of hardship.
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