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Credit is a tricky subject. It is a crucial factor when you are looking to get a mortgage. It is also one of the things that people struggle with most to keep in check! That is why we have crafted 5 tips to keep your credit in check and allow you to qualify for...
Is 2017 the year that you look for a new home? You may find that your wish list verses what the market has to offer don’t exactly add up. Another issue you may run into is the current inflated house pricing that is (slowly) being corrected here in the lower mainland....
The first of our Construction Mortgage Blogs covered the basics of what you would need to know for this complicated mortgage type. In this second part, we will cover three key areas: The budget, the loan, and key take-away points. 1. The Budget Step one...
On several occasions we have had people ask us about construction mortgages. Every lender has their own guidelines and rules when it comes to construction mortgages. That’s because there are many details involved in the process of construction, let alone the...
We have talked about this a few times on the blog, but in light of the new First Time Home Buyers HOME partnership program, here are a few steps to follow once you are pre-approved or approved for financing. Don’t Apply for New Credit The lender will calculate your...
Rent to Own (RTO) Rent To Own contracts are more than just paying rent to the Landlord and applying the rent toward the purchase of the property. There are details that you need to know when entering into a Rent To Own contract. What is Rent to Own...
Thank to Kam Bansal for this update! A quick update on the BC Governments newly announced initiative for Interest free loans up to $37,500 for 1st Time Home Buyers. Here are a few updates that we have, but soon enough, we will be hearing from the individual...
When it comes time to get your mortgage, or perhaps look at investing in an investment property, income qualifying is one of the first steps you will have to take. This first step though can also be the most challenging. Let’s walk through the steps you should take:...
Avoid these 5 common mistakes, and you will have no problem getting your mortgage faster, more efficiently, and with a clear understanding of the process: Thinking banks are the first and best place to go for a mortgage Mortgage brokers can often...
So you have saved, and saved and you are finally ready to start house hunting…but before you do, there are a few things that you should be looking into BEFORE you start buying. Namely, your Mortgage options. Did you know that there are multiple different...
Everyone knows that Mortgages come with a rate attached to them. But few know that each Mortgage Product has a PERSONALITY too! The Personality of a mortgage product is a key component in selecting the right mortgage for you and your unique needs. So sit back, take...
I want to share with you a story. Below is the story of John, and if you ever want to own a home, you need to read his story. John was a 25 years old. He was good with money. He went to school and he worked his butt off to support himself. John had been saving $250...