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SHANNON DECKERS

Not Just Another Realtor®

Welcome. It is my sincere hope that you come to see the potential that Grey Bruce has to offer you.

As a skilled full-time realtor, I am dedicated to guiding you through purchasing and selling real estate in Canada’s playground. Let’s walk through it together and find the place for you to call home.

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

Has the local knowledge needed for buying and selling in Grey & Bruce Counties

YEAR EXPERIENCE

HOUSES PURCHASED

HOUSES SOLD

BOTTLES OF PERRIER

SHANNON DECKERS

Why Choose Us

Z

Honesty

Truthful assessments and real estimates based on current markets.

Availability

Always ready to set up viewings and meet at your convenience. Only ever a phone call away, Shannon is quick to reply with useful and knowledgeable information.

Determination

Working tirelessly to find the best house at the best price, and showcasing your home in the best possible light.

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For sale Open House
$769,900
906 TANGLEWOOD Drive, point clark, Ontario

906 Tanglewood Drive

Point Clark, Ontario

Welcome to this stunning 3 bedroom, 2 bathroom Brick bungalow nestled in the heart of Point Clark – a desirable, quiet lakeside community. The property exudes incredible curb appeal and showcases the owner's pride of ownership both inside and out. Set on a large 100' x 150' lot, the home is perfectly set on the lot offering a good balance of green space. This exquisite home has a list of desirable features highlighted with an amazing new kitchen renovated in 2022, offering both style & functionality. Enjoy the convenience of main floor living and be awed by the cathedral ceiling in the spacious living room accompanied by the wood burning fireplace, adding to the overall comfort & grandeur of the space. One of the features you will appreciate the most is the abundance of natural light, with ample windows looking out to the backyard. The basement offers a unique opportunity for a workshop or hobby room with an abundance of storage space including a traditional cold cellar. Outside, the property is enveloped by cedar fencing, and soon the special tall grass will help providing total privacy and seclusion during the summer months, making this space perfect for outdoor relaxation and entertaining. The fresh landscaping enhances the beauty of the surroundings, creating an overall inviting vibe. The attached garage is the perfect place to park your car with ample room for additional storage along with the detached storage shed. The sprawling double-wide concrete laneway offers ample parking suitable for you and all of your guest. Don't miss this opportunity to own a piece of paradise in this charming lakeside community. Live in luxury and comfort in this meticulously maintained bungalow. (id:22681)

3 Bedroom 2 Bathroom 1650

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$769,900
76 FISCHER DAIRY Road, walkerton, Ontario

76 Fischer Dairy Road

Walkerton, Ontario

3 bedroom 2 1/2 bath 2,270 ft.² home ready for immediate occupancy. Situated in a modern neighbourhood located close to schools and recreation areas. Many quality features of this home include quartz countertops, ground floor laundry, large en-suite washroom & WIC in the principal bedroom, ground floor office/den, a covered front porch & an overhead door at the back of the attached double car garage to allow access to the large rear yard. Quality JEMA home built by this Tarion registered builder. (id:22681)

3 Bedroom 3 Bathroom 2270

Coldwell Banker Win Realty Brokerage

For sale
$1,350,000
232 CONCESSION Road, kincardine, Ontario

232 Concession Road

Kincardine, Ontario

Good Working Crop Farm, 12 tiles have been added and hooked to any existing tile, subject to severance of excess farm buildings; will leave approximately 93 acres workable and 2 acres bush at rear. Hydro tower easement across north of farm. (id:22681)

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$559,000
499 ANDREW Street, port elgin, Ontario

499 Andrew Street

Port Elgin, Ontario

Bungaloft condo in desirable Lakeridge Estates. Conveniently located at the south end of Port Elgin, close to shopping and beach accesses. Ideal opportunity to simplify your lifestyle with this well-maintained unit. Everything you need is on the main level; eat-in kitchen, dining area, living room, primary bedroom, and 4-piece ensuite with laundry area. Upstairs you will find a loft overlooking the main living area, ideal for a family room or office, plus a second bedroom and 3 piece washroom. Full unfinished basement with 2-piece washroom and cold room. Features include; a gas fireplace, patio doors to the deck, covered front deck, hardwood flooring, high ceilings, storage/pantry closets and spacious foyer with entry into the garage. The condo fee is $240 per month and includes lawn maintenance and snow removal. Ideal for first-time buyers, retirees or investors. Check out the 3D Tour and call your realtor for an appointment to view. Quick possession date available. (id:22681)

2 Bedroom 3 Bathroom 1390

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$419,000
549 STOKES BAY Road, stokes bay, Ontario

549 Stokes Bay Road

Stokes Bay, Ontario

In the Bruce Peninsula village of Stokes Bay, you will find a sweet house on a large lot. This one and a half story home is fully renovated and could have been plucked out of a fairy tale with it's idyllic charm. Being 4 season, this could be your forever home or the perfect cottage getaway. The double wide drive way lends extra space for company parking. Coming in through the main side door, there is a mudroom for all of your outerwear. The galley kitchen has ample counter and cupboard space, to make sure you can cook, bake and entertain in comfort. Turn the corner to the front of the house where you will find the living room, bathroom (with laundry) and primary bedroom. Wonder upstairs to find two conjoined bedrooms that could be utilized in many different ways to suit your unique needs. All three bedrooms have been renovated in the past year, with new drywall, ceilings, lighting and flooring. This property comes fully furnished. Stokes Bay is located in the center of the Bruce Peninsula, with all of the natural attractions, including Sauble Beach, Tobermory, The Grotto only a drive away. If you want to stick closer to home, Black Creek provincial, with it's sandy beach, is a short 5km down the road. (id:22681)

3 Bedroom 1 Bathroom 1040

RE/MAX Grey Bruce Realty Inc Brokerage (Wiarton)

For sale
$819,900
9638 4 Concession N, wellington north, Ontario

9638 4 Concession N

Wellington North, Ontario

Sitting just outside the charming Town of Mount Forest lies a cozy country home that offers the best of both worlds – a peaceful rural setting yet proximity to all the convenience of town. The tree-lined laneway with beautiful red maples lead to a well-maintained “Quality” manufactured home was built in 2001 and will suit all ages! The eat-in kitchen features patio doors that open to the backyard, allowing natural light to flood the space and create and airy, welcoming atmosphere. The living room provides a comfortable gathering place for both family and guests. Three bedroom and 1.5 baths, including a walk-in shower in the main bath offer ample space for a family or retirees. The full basement awaits creative finishing ideas and houses laundry facilities (with hook-ups also being on main floor at side entrance), a utility room, area for a rec room and a spare room which would make a great playroom, office, or gym. The true gem of this property is the sizeable, 2-storey three-bay shop measuring 30 x 40 ft. with hydro service, concrete floor, and stairs to upper level. Additionally, there is a 20 x 10 ft. add-on section for more storage at the back. The upper level features a 60ft. long utility ramp (10 ft at the top, 8 ft. at the bottom - approx.) for easy storage access. Additional storage space on the 1.62-acre property provides ample room for hobbies, tools and more. Propane furnace was installed in 2012 and central A/C is the same age. A steel roof on both the home and shop add longevity to its life. A back-up generator was installed approx. 2-3 years ago for peace of mind. This parcel provides the perfect setting for country living, with all the perks of being close to an energetic small town! (id:22681)

3 Bedroom 2 Bathroom 1315

Exp Realty

For sale
$379,000
114 LINDSAY ROAD 5, northern bruce peninsula, Ontario

114 Lindsay Road 5

Northern Bruce Peninsula, Ontario

Neat starter home, located just a short drive to Lion's Head. Home is situated on an acre size lot (165 feet x 264 feet) that is landscaped and treed. Nice setting overlooking the landscape! Home is a storey and half, main floor kitchen/dining, living room with propane fireplace, primary bedroom, three piece bathroom with laundry, foyer and large mudroom. Second level has bedroom, a two piece bathroom and a hobby/craft room that could be used as a third bedroom. Attached double garage. Corner lot, circular driveway. Property makes for a good home for the Buyer who is enjoys country living and yet within minutes to amenities. Property is located on a year round paved road. Rural services available. Taxes: $1453.37. (id:22681)

2 Bedroom 2 Bathroom 1500

RE/MAX Grey Bruce Realty Inc Brokerage (Lh)

For sale
$1,499,999
190 LOUISE CREEK Crescent, west grey, Ontario

190 Louise Creek Crescent

West Grey, Ontario

Located minutes from either Hanover or Durham, this spectacular custom-built stone home sits on 2+ acres in a quiet, treed cul-de-sac at Forest Creek Estates. Panoramic views of wetlands and stunning sunsets are enjoyed from the timber-frame back patio or hot tub. Over 3400 square feet of finished space on two levels and a 1200 square foot (3 car) garage. This 4 bedroom/3 bath home was thoughtfully designed, with many upgraded features, including: main level --- engineered hickory flooring; transoms, solid wood trim and doors, shiplap cathedral ceiling and fireplace, heated floor in primary bath, built-in closet system in primary bedroom and cabinetry in laundry; 2 gas fireplaces; 3 covered porches and a stamped concrete patio; triple-glazed windows; walk-up from basement to garage; Generac whole-home generator. List of full upgrades and floor plan available upon request. Completed in late 2021 by a well established and respected builder, includes remaining Tarion warranty. Enjoy the warm community spirit of Forest Creek Estates, together with trails, kayaking, fishing and skating on Boyd Lake. High speed internet. (id:22681)

4 Bedroom 3 Bathroom 3524

Century 21 Heritage House Ltd.
Century 21 Cedar Glen Ltd Brokerage

For sale
$2,499,995
618 BRUCE RD 23 Road, kincardine, Ontario

618 Bruce Rd 23 Road

Kincardine, Ontario

Luxury, Country lifestyle & Lakeside living unite into one incredibly rare offering. This stunning 20ac Estate, set on the outskirts of Kincardine, walking distance to Lake Huron & KIPP trail system. As you venture up the laneway you immediately appreciate the space this property offers. Whether its the 10 acres of orchard (500 apple, peach & pear), the existing barn, ideal for hobbiest along with acres of suitable pasture, grapes, rare hops, & open space for gardens, this property allows for a self-sustaining lifestyle & an opportunity to run a business. As you approach the home which stands like a castle, offering 6 bedrooms, 6 bathrooms & over 6000sf of finished, luxurious, living space on 3 levels. The exterior of the home has been masterfully designed with the stone & stucco blend. Watch the sunsets from the expansive front porch, or enjoy the sunrise from the large back deck. One of the highlights of the property is the custom HEATED IN-GROUND SWIMMING POOL & the backyard dream that you have to come see to appreciate. The oversized, 3-car garage leads you into the walk-out lower level which has its own kitchen & laundry & could be a future in-law or rental suite. As you walk up to the main level you appreciate the floor-plan including the spacious front foyer, main floor primary bedroom, welcoming living room with gas fireplace & built-in coffee/bar which flows to the expansive designer eat-in kitchen. The gleaming quartz waterfall countertops match the large island, pot filler & masterfully designed cabinetry along with high end appliances makes this kitchen a dream. The main floor includes a second formal dining room, a large office/study with glass doors & more. Head up the engineered stairs to the second level where you will find the 4 large bedrooms, including a shared ensuite, and the main primary bedroom with the walk-in closet & ensuite of your dreams. It's impossible to include all the highlights of this home,you just need to come see it for yourself. (id:22681)

6 Bedroom 6 Bathroom 6241

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$889,000
154 SUTTER Street, grey highlands, Ontario

154 Sutter Street

Grey Highlands, Ontario

Eugenia – located on a prime 128’x274’ lot on a great street, this 1500 square foot bungalow is adaptable to any lifestyle. Living room with vaulted ceilings, spacious dining room with walkout to covered porch and kitchen overlooking back yard. Spacious foyer 7’10”x15’1” and additional closet room. Main floor bedroom and a den that could easily be a 2nd bedroom. Two full baths and laundry hook ups complete the main level. Lower level walkout could be a self-contained unit or additional living space with a family room, 2 more bedrooms, laundry, full bath and kitchen. Fully fenced back yard, patio, shed and storage shelter. Many updates in recent years: dual on-demand water heater (2020), water filter system(2021), 30 year shingles (2021), most interior painting (2023). Located in a community setting a short walk to the public access at Lake Eugenia, just minutes to Beaver Valley, Flesherton and 25 minutes to Collingwood. (id:22681)

3 Bedroom 3 Bathroom 2600

Royal LePage Rcr Realty Brokerage (Flesherton)

For sale
$449,000
222390 CONCESSION 14, west grey, Ontario

222390 Concession 14

West Grey, Ontario

Discover the serenity of country living on this tranquil 10-acre waterfront property. Whether you're drawn to the gratification of restoring the existing house or dreaming of crafting your own custom masterpiece, the possibilities are endless! Perched atop a picturesque hill, you'll love the views of the Beatty Saugeen River, rolling hills, lush trees, and sprawling meadows. The house beckons to the handyman at heart who has dreamed of living in the country with ample space for animals, gardens, campfires, and lazy days tubing down the river. Inside, a spacious country kitchen with woodstove, cozy living room with views of the river plus a family room or dining room. The main floor bedroom provides convenience, while upstairs, three additional bedrooms await, along with a four-piece bathroom. Don't miss your chance to escape to the tranquility of this waterfront country property at an affordable price. Showings Tuesdays and Thursdays 9-5 and weekends. (id:22681)

4 Bedroom 1 Bathroom 1900

Royal LePage Rcr Realty Brokerage (Hanover)

For sale
$489,900
1867 5TH Avenue E, owen sound, Ontario

1867 5th Avenue E

Owen Sound, Ontario

LOCATION, LOCATION, LOCATION. Situated across from beautiful green space. This 2 + 1 bedroom, 1 bath home is full of character and ready for you to move in. The original part of the house offers an updated kitchen, open to the dinning room, main floor bedroom, sitting room, full bath and laundry. The 19 ft x 16 ft family room addition in the back, features a gas fireplace and plenty of room for friends and family to gather. Through the french doors to a covered patio area where you can relax or entertain. The upper level offers 2 bedrooms or as is currently a primary bedroom with a dressing room and extra closets. Enjoy morning coffee upstairs looking at greenery, colorful leaves and the Bay. At the back of this lovely property, tinker away in the 16 ft x 20 ft shop. On a quiet street on the East side of Owen Sound. If you are looking for tranquility and a park like setting, this home is a must see!! Garage/ Shop 16 x 20 ft. Shed 7 x 13 ft (id:22681)

2 Bedroom 1 Bathroom 1250

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

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WHAT PEOPLE ARE SAYING

Featured Comments

“Shannon took the time to learn what we liked, and what we didn’t. As first time buyers, we had quite a learning curve, and she was very patient in teaching us. She went the extra mile to find just the right home we both loved, and was as excited for us as we were!”

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Doug & Sue Reider

WOODFORD, ON

“We have worked with Shannon Deckers now on three real estate transactions! She always goes above and beyond to make things work out. Her dedication to her job, whether assisting in a sale or finding that dream property, shines through in all she does. Truly a pleasure to work with!”

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Jennifer Ageeb

OWEN SOUND, ON

“Shannon did an amazing job selling our house in record time! She really goes above and beyond! I would highly recommend her as a realtor for both buying and selling.”

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Charlene Hellens

KITCHENER, ON

FEATURED PROPERTY LISTINGS

The Best of Real Estate in Grey and Bruce

Whether you’re looking for a new home, or you plan to build your dream home, these are some of the best properties for sale in Owen Sound and Grey Bruce.

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ONTARIO’S CREDITS AND PROGRAMS

You Could Be Saving Money!

Canada’s Playground

Owen Sound, Ontario

Where Is Owen Sound?

Owen Sound, Ontario lies approximately two hours northwest of Toronto and is a central hub for all destinations in Grey and Bruce counties. Located approximately 30 minutes from Blue Mountain, one of Ontario’s most popular skiing and snowboarding destinations. Owen Sound and the surrounding area is warmly called home by over 30,000 people living at the base of Georgian Bay, where the Sydenham River and Potawatomi River converge. In the summer months you will find Owen Sound to be a thriving city in close proximity to Sauble Beach, a very popular destination for both local traffic and tourists alike, as well as many smaller towns with lots of activities and venues for recreation and relaxation. Owen Sound serves as a meeting point of four of Ontario’s provincial highways: Highway 6&10 from the south, Highway 26 from the east, and Highway 21 from the west.

Being established in 1851, Owen Sound includes many different types and styles of homes for sale. A prospective buyer will find century homes with original hardwood flooring and crown mouldings, intimate war-time houses suitable for retirement living or small families, split level bungalows, updated retro houses and a more modern flare of newly built houses in suburbs throughout the town.

Nature, Outdoors, and Activity
Owen Sound is located right on the Niagara Escarpment and is a matter of minutes from the Bruce Peninsula which boasts tall cliffs, incredible rock formations, great beaches and is home to the beautiful Bruce Peninsula National Park. The Park is famous for its many attractions, including ‘The Grotto’ with it’s crystal clear waters, ‘Fathom Five National Marine Park’, ‘Indian Head Cove’, as well as Cyprus Lake. The famed Bruce Trail that runs from Niagara to Tobermory also winds its way through the forests, woodlands, and rivers surrounding Owen Sound as it makes its way toward Wiarton and the Bruce Peninsula. Among these rivers are numerous local waterfalls that offer picturesque landscapes for events, recreation, and peacefulness. Owen Sound’s natural beauty will leave you breathless in its splendor.

Buying real estate in Owen Sound means you can spend your days doing things most people only dream of. In Owen Sound you can experience snowboarding and skiing, snowshoeing and hiking the Bruce Trail in the winter, the kilometers-long sand beach and waters of Sauble Beach and Port Eglin in the summer. You can live in some of Ontario’s most beautiful scenery if you invest in Owen Sound real estate. Owen Sound itself boasts a beautiful harbour, with many walking paths, trails, and parks to enjoy the extensive waterfront.

If you desire to escape the fast-paced city life with your own piece of land on which to build the home of your dreams, I can help you to find the perfect vacant lot or land for sale in Owen Sound. With both budget and luxury home builders in the area, incredible landscaping professionals and top-notch tradespeople, no size or complexity of home build is too great or small.

There are many homes for sale in Owen Sound and Grey Bruce areas, and with my extensive knowledge of the local area and my commitment to learning you and your likes and dislikes, I am confident that I will be able to find not just house that you like, but a place that you can call home.

Education
If you’re thinking of buying a home for sale in Owen Sound, ON and you’re wondering about the education available in Owen Sound, you won’t be disappointed. Owen Sound has three excellent secondary schools: Owen Sound District Secondary School (OSDSS) as well as Saint Mary’s High School (SMHS) and École St-Dominique Savio for those looking for a more private education. Owen Sound’s devotion to education begins in the earliest of years with many preschool and daycare centres available for young parents to choose from, including the Julie MacArthur Regional Recreational Center (YMCA). Parents of older children will be pleased to know of the many options for elementary age children, such as public schools (East Ridge Community School, Hillcrest Elementary School, Alexandra Community School, Keppel-Sarawak Community School) along with private schools (Timothy Christian School, Riverforest Montessori School). For those looking for post-secondary education, Owen Sound boasts a Georgian College campus with a wide assortment of courses available.
Local Amenities and Attractions
If you’re thinking of buying a home or vacant land in Owen Sound, you might be wondering about the amenities and services available in the area. While we can’t list everything, here’s a short list to give you an idea: Multiple elementary schools, two excellent high schools, a Georgian College campus with residencies close by, a developing shopping centre, unique and artisan shops, and lots of community parks with natural and man-made playgrounds. Owen Sound also boasts the largest and best-equipped hospital and medical staff in the area. Many fast-food restaurants are available for those on the go, but there are also numerous sit-down, fine dining options for those with a more refined taste. Owen Sound is home to multiple golf courses, some of which are well-renowned for the quality of their courses, as well as many museums that focus on our rich cultural background and significant history. With lots of programs for youth and adults alike, Owen Sound has something for everyone.

Owen Sound is also home to the Owen Sound and District Farmer’s Market; a local market that is open every Saturday morning throughout the year. The Market hosts a wide variety of local artisans and growers, and has been in the same location since 1868. Many other markets exist within a short drive from Owen Sound, in places such as Keady, Port Elgin, Southampton, Wiarton, Meaford, Thornbury and more!

If you are considering buying real estate for sale in Owen Sound, and you love to fish, then this is the place for you. Owen Sound’s annual Salmon Spectacular is famous and draws participation from all over Canada and the United States each year. Additionally, some of the largest rainbow trout in the world have been caught in Owen Sound.

RRSP HOME BUYER'S PLAN

This program allows you to withdraw up to $25,000 from your RRSP to buy or build a new home.
You can also use it to buy or build a new home for yourself or someone you know with a disability.

Home buyer's tax credit

The First Time Home Buyer Tax Credit is a non-refundable tax credit that helps homeowners recover closing costs such as legal expenses and inspections.

First-time buyers can claim up to $5,000 for the purchase of a qualifying home on their personal tax return on the year of purchase. You could net up to $750! However, you cannot have lived in another home you or your partner owned in the previous 4 years.

If you have a disability (I.e., you are eligible for the disability tax credit) or if you bought the house to improve accessibility for someone who is disabled, you do not have to be a first-time home buyer.

Genworth Canada Energy-Efficient Housing Program
Receive a 25% rebate when you build a home through one of Genworth Canada’s qualifying energy-efficient building programs or meet the prescribed minimum Natural Resources Canada EnerGuide requirements and fund it through a Genworth Canada insured mortgage.
Land Transfer Tax Refunds for First-Time Home Buyers

Under this program, if you’ve never owned a home anywhere before – ever – you could quality to receive a refund of the land transfer tax for the first $368,000 of the value of the home. The maximum amount of the refund is $4,000.

The biggest hurdle in qualifying for the maximum amount of this program is that all purchasers of the home must be first-time homebuyers. If one or more of the purchasers has owned a home anywhere in the world previously, the amount will be reduced.

GST/HST Tax Credit

The GST/HST new housing rebate gives back some of the GST or the federal part of the HST you paid – up to $1,500 – for new or substantially renovated house that is your primary place of residence provided that you meet all the eligibility requirements.

CMHC Green Home

If you buy, build or renovate for energy efficiency using CMHC-insured financing, you could receive a 15% rebate for building a home to ENERGY STAR standards or up to 25% for building a home to R-2000 building standards.

Northern Locations Energy Credit

Those living in a qualifying location can take advantage of the Northern Ontario Energy Credit. This tax credit allows single people to receive a credit on their taxes of up to $151 and allows families (including single parents) to receive up to $232.

The purpose of this program is to help Northern Ontario residents with the higher energy costs they face living in the north.

Ontario Every And Property Credit

Non-seniors can receive up to $1,043 while seniors can receive up to $1,187. Even students can receive a credit of $25 if any of their costs were related to energy costs, and if you live on a reserve or in a public long-term care home, you can receive up to $232.

Options For Homes
If you are looking to purchase a new condominium, this is a non-profit group that offers different ways of paying for a condominium, including loans and discounts, and offers down payment support.
They also offer a Condo 101 class that explains what someone should look for then they purchase a new condominium.
Habitat For Humanity

You can be a homeowner! Get of the rent rut with Habitat for Humanity. This group helps low-income families build and buy simple, decent quality, affordable homes through a no-interest mortgage with payments set at less than 30% of gross income. Instead of a down payment, families contribute their sweat equity

Municipal Land Transfer Tax Rebate Program

If you are a Canadian citizen or a permanent resident living in Toronto and you’re ready to buy your first home, don’t forget to register for the land transfer tax rebate. In conjunction with the provincial tax credit, you can get up to $4,475.00 back from the land transfer tax you pay when you buy your home.

Both new and existing homes qualify, but neither you and/nor your spouse can ever have owned a home before at any time anywhere in the world. Don’t delay, because to receive the entire rebate, your application has to be reviewed by the City of Toronto before the 10-day deadline is up!

Daniels FirstHome Boost Program

Daniels FirstHome has an innovative payment plan that is much more flexible and achievable in the midst of today’s fluctuating new mortgage rules. With locations throughout the Toronto area, this builder offers condos and townhomes in attractive neighbourhoods aimed at first-time home buyers.

The program offers an interest-free, 20-year forgivable loan for 10% of the down payment that, when added to the 5% that you need to put down, “boosts” your down payment to 15%. On top of that, you could also qualify for an additional $25,000 in financing. You don’t even have to have the whole 5% up front. All you need to get started is $3,500 when you sign the Agreement to Purchase and Sale, and then you can pay $1,000 a month after that until you reach the required 5%.

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