Marty Mihm

Marty Mihm

Sales Representative
CENTURY 21 First Canadian Corp., Brokerage*
  • 519-282-1679
  • 519-673-3390
  • 519-673-6789
Contact Me

Welcome to my Website

As a CENTURY 21® Real Estate professional, I am dedicated to providing you with the highest quality service possible. My personal knowledge of the local Real Estate market is combined with the power of the CENTURY 21 brand - the most recognized name in Real Estate today.

Let me assist you in finding your dream home, in a neighbourhood that is right for you, and in the price range you want. Or if you are interested in selling a property, I also have the expertise to help you get the fastest sale possible and at the best price.

I look forward to the opportunity of working for you!

Mortgages

If you’re thinking about buying your first house, one of the first questions you may ask yourself is, “How much can I afford?” Read the following mortgage affordability tips before you set out to find the home of your dreams:

  • Consider your annual household income. This is a key factor when determining how much of a mortgage you can afford. In addition to calculating your annual household income, consider any income changes that may impact your ability to make your payments. For example, if there are currently two major income sources within your household, would you still be able to afford your mortgage if one was removed? What if a child comes into the picture and your partner decides to become a stay-at-home parent? Consider all factors before deciding.
  • Consider your down payment. Currently, you are required to have at least a 5% down payment when buying a house. The size of your down payment is one factor in determining the size of mortgage you can afford.
  • Consider your debt. When determining “How much can I afford?” one of the other important factors to take into account is the amount of debt you currently have. The lower your debt-to-income ratio, the more money you’ll likely have to put towards your mortgage. In addition, your debt level will also help to determine how large of a mortgage you will qualify for.
  • Consider your amortization period. If you are simply trying to keep your regular mortgage payments low in order to comfortably fit the payment into your budget, you will probably want to apply for a mortgage with a longer amortization period. However, if you don’t mind a somewhat larger regular mortgage payment in order to save money on interest in the long run, you may want to consider a shorter amortization period.
  • Consider your closing costs. Closing costs are an often overlooked expense that will definitely help determine how much money you can afford as a down payment.
  • Consider your property taxes, various types of homeowner’s insurance such as damage, title etc and additional expenses. Lastly, there are a few additional expenses that may impact how much money you have to put towards your mortgage each month. Expenses like property taxes, homeowner’s insurance and even things like home maintenance should be factored in before making your final decision. These costs are often overlooked but should be considered before settling on the home of your dreams.
Ask me how to earn AIR MILES® reward miles when you buy or sell a home through me.

Communities

Cities
London

Welcome to London … In things traditional and contemporary, you'll discover our city offers plenty to see and do. The links within the Visitors ...

Arva

Arva is located just north of London at the intersection of Provincial Highway 4 (Richmond Street) and Medway Road (7th Concession). While it is not located ...

St. Thomas

The city has come a long way since it was first settled in 1810. Named after Thomas Talbot, who helped promote the development of this region during the ...

Woodstock

Woodstock offers a selection of specialty stores and boutiques, retail businesses, a bustling farmers' market, spacious parks, summer theatre, Canada's ...

Strathroy

Strathroy-Caradoc is a municipality located just west of London. It was created through the merger of the former township of Caradoc and the town of Strathroy ...

Komoka

Komoka village is a crossing point for many railway lines and was formerly a railway hot spot featuring various hotels and development. Today, the Komoka ...

Mount Brydges

Mount Brydges has a small commercial "downtown" featuring mostly local businesses and shops. Local agriculture includes maize, tobacco and wheat. The soil ...

Lucan

Lucan is located 22km northwest of London, Ontario. It was incorporated as a village in 1871. Since 1999 it has been part of the Township of Lucan Biddulph ...

Kilworth

Kilworth Heights takes up most of the area between Komoka and London, Ontario which is south of County Road 14 (Glendon Rd) and north of Komoka Provincial ...

Ailsa Craig

North Middlesex has a population of 6,658 as of the Canada 2011 Census.North Middlesex is located in the north of Middlesex County, north of London, Ontario. Ailsa ...

Neighbourhoods
Argyle

The Argyle district is bordered by Veterans Memorial Parkway to the east, Oxford Street to the north, Highbury Ave. and Pottersburg Creek (Kiwanis Park) ...

White Oaks

The White Oaks district is one of London’s most densely populated and culturally diverse areas. 21,000 people live in the area bordered by Eden Ave ...

West London

West London stretches from the forks of the Thames in the east to Wonderland Road in the west. The small older neighbourhood of Blackfriars is perhaps ...

East London

East London is bordered by Adelaide St. to the West, CN train tracks to the north and south and Pottersburg Creek to the east. The train tracks old industrial ...

Glen Cairn

The Glen Cairn district is as fertile in land as it is in community. With quality, affordable housing just a stone's throw away from lush walking trails ...

Byron

Located downriver (west) from London on the outer fringes of the city, Byron was originally called Westminster, then renamed Hall's Mill, and then finally ...

Highland

The Highland district is situated just south of the South London planning district and the four northernmost blocks overlap with the area generally known ...

North London

The North London planning district, or Old North as most Londoners refer to this area, is located between the Downtown and the University of Western Ontario. ...

Old North

Old North is located between the Downtown and the University of Western Ontario. The district covers the area north of Oxford St., west of Adelaide and ...

Westmount

Westmount runs from the Thames River in the north to Southdale Road in the south. Close to the river, Westmount is home to the Civic Garden Complex as ...

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Blog

Old South Bungalow with Granny Suite - New Listing
Have you joined your Neighbourhood Watch Team?
New Listing in Westminister Park area only $129000
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