Numbers. They are an integral part of our day to day life. Your everyday numbers are those that you have memorized and repeated time and time again...like your phone number, age, birth date, etc. Just like you have those numbers memorized, it is just as important to...

Geoff
New Mortgage Changes | What You Need to Know
On October 17, 2017, OSFI (Office of the Superintendent of Financial Institutions) announced that effective January 1, 2018 the new Residential Mortgage Underwriting Practices and Procedures (Guidelines B-20) will be applied to all Federally Regulated Lenders. Note...
What is an interest rate differential (IRD)? How do you calculate it?
A mortgage in its simplest form is a contract. It has terms, conditions, rights and obligations for you and the lender. When you sign on the dotted line, you are agreeing to those terms for the length of time laid out in the contract. However, sometimes life throws us...
A Guide to Rent to Own Properties
Renters, this article is for you! With the market still holding strong, with high prices and low inventory, the thought of getting out of your rental may seem daunting. However, if you have an accommodating landlord and the will to save, Rent to Own (RTO) may just be...
VIDEO: Rent To Own’s-Should You Do It?
We were excited to have a few moments to interview Rent to Own expert, Tim Grier of Lindsay Kenney LLP to get a few details on Rent to Own's and what you need to know before you enter into one. Watch the video above and read the full transcript below! Geoff:...
Should I Invest in Real Estate?
If we told you that right now is a good time to invest in real estate, would you think we are crazy? How could that be possible right? The rates are rising, home prices are still astronomically high, and home inventory is at an all-time low. However, today we are...
VIDEO INTERVIEW: Now is the time to invest in Real Estate!!
We sat down with Real Estate Investment Expert, Mike Ponte, of Prosperity Investments, to find out why NOW is the time to invest in Real Estate. Click to watch the full video below, or read the transcript below to find out just what he had to say about Real Estate...
How to Get a Mortgage After Bankruptcy
Bankruptcy is always the last resort-and it’s never easy or comfortable. However, sometimes it is the only option to turn to when life throws you something unexpected. The lasting impression it can have on one’s financial profile though can be overwhelming. We...
Everything you Need to know about Reverse Mortgages
Wouldn’t it be wonderful to be able to have money to do more of the things you love? To be able to have the freedom to pursue things you truly enjoy, especially in your Golden Years? Enter in a CHIP Reverse Mortgage! A Reverse mortgage is a simple and sensible way to...
Home Financing for your Second Home.
Summer. Possibly one of the best seasons of the year. It brings memories of days spent by the lake, lazy afternoons, and for many, family vacations to the cabin or cottage. Maybe you have been thinking about purchasing a little getaway for your family to enjoy during...
Understanding how Bridge Financing Works
Sometimes in life, things don’t always go as planned. This could not be truer than in the world of Real Estate. For instance, let’s say that you have just sold your home and purchased a new home. The thought was to use the proceeds of the sale of your house as the...
How to Shop for a Mortgage
For many people, a home will be the largest purchase of their life. It stands to reason then, that when you are shopping around for your mortgage you will want to take certain steps to ensure you are getting the sharpest rate and best product. We have a few pointers...