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What is a Guarantor? A Guarantor for mortgages is exactly what it sounds like—they “Guarantee” the mortgage for another person if they are unable to pay back the loan. Co-signers or Guarantors on mortgages are often used if someone has Damaged or poor credit...
Self-employed individuals are quickly becoming one of the most common clients that Vancouver mortgage brokers handle. Daily we have successful business owners come into our offices who enjoy the perks of being an entrepreneur. One of these includes fantastic...
25-year amortization or 30 years? Insured or Uninsured? With an A Lender or B Lender? These are just a few of the questions people have to decide on when they are pursuing a mortgage. But the biggest question of all: Fixed Rate or Variable Rate? With the...
Are you on the hunt for a mortgage broker? Or you need a mortgage broker but just don’t know it yet! First up, where do you find a Mortgage Broker? The easiest (and one of the best places to start) is with referrals from a real estate agent, family, friends, or...
First-time home-buyers are one of our favourite clients! It’s great to work alongside them and teach them the in’s and out’s about real estate, owning a home, and helping them cross “homeownership” off their bucket list. One thing that we find though, their...
Client success stories are what make our job WORTH IT (We think most mortgage brokers would agree). So, with this in mind, we are sharing a recent client’s story that allowed them to not only purchase the home they wanted but also pay down their own debt. ...
Have you ever wished for a simplified guide on how to actually GROW your credit score? Well today is your lucky day! We have had years of experience working with individuals who come to us with poor or damaged credit and we have found 7 steps that prove to be tried...
Many homeowners are vaguely aware of the fact that you can take out a second loan on your home. You hear your friends mention it or perhaps a family member close to you has gone through the process—but do you truly know what it means to take out a second mortgage? We...
Whether you are new to mortgage brokering or have been doing it for 20 years, it’s always helpful to add new tools to your “Broker Tool Box”. Easy NOA Easy NOA is a document retrieval service that allows you to request CRA and non-CRA documents for your...
HELOC, Refinance or Second/Third Mortgages? Which one should you choose to go with? If you have decided to tap into the equity in your home, the three can seem to be interchangeable at times and for many consumers can be a difficult decision on which one to select. We...
Mortgage Moment: When Life Gives You Lemons…. We all do it. Even I fall guilty to it at times. It’s really a part of Human Nature…and really what fun is life without it? What exactly are we talking about? Dreaming. We make grand plans and lay them out...
With the housing market in the Fraser Valley continuing to heat up, prices on detached homes continue to go up, and the condo and townhome market is hotter than ever, where is a family to lay down some roots? A recent report indicated that to live in and make...