Mortgage Blog

Getting you the mortgage you deserve

Top 10 Questions to Ask Your Mortgage Broker in BC

Top 10 Questions to Ask Your Mortgage Broker in BC

January 19, 2022 | Posted by: Justin Emilio

Top 10 Questions to Ask Your Mortgage Broker The mortgage world can sometimes be difficult to navigate when buying a home. However, an experienced Mortgage Broker can help walk you through the proces ...

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How Much of A Mortgage Can You Afford?

How Much of A Mortgage Can You Afford?

January 5, 2022 | Posted by: Justin Emilio

How Much of a Mortgage Can You Afford? Mortgage Application: How Much of A Mortgage Can You Afford? The mortgage application process involves a buyer's due diligence in calculating how much mortgage ...

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Housing Market Predictions

Housing Market Predictions

January 3, 2022 | Posted by: Justin Emilio

According to the 2022 Canadian Housing Market Outlook Report from RE/MAX, steady growth is anticipated across the Canadian real estate landscape into 2022. While Canadians continue to recognize the ...

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Prequalification and Pre-Approval—What is the Difference? Home Buying in BC

Prequalification and Pre-Approval—What is the Difference? Home Buying in BC

December 15, 2021 | Posted by: Justin Emilio

What is the Difference Between Pre-Qualification and Pre-Approval? Prequalification and Pre-Approval-What is the Difference? Prequalification is a basic review of the borrower's information to deter ...

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Bank Of Canada Rate Update December 9, 2021

Bank Of Canada Rate Update December 9, 2021

December 8, 2021 | Posted by: Justin Emilio

Bank of Canada maintains policy rate and forward guidance The Bank of Canada today held its target for the overnight rate at the effective lower bound of ¼ percent, with the Bank Rate at ½ percent ...

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Selling Your Home in Winter

Selling Your Home in Winter

December 8, 2021 | Posted by: Justin Emilio

While you might think selling your home in winter is harder, with the right considerations it doesn’t have to be! When selling your home during warmer months, the focus is typically on curb ap ...

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Mortgages for the Self-Employed

Mortgages for the Self-Employed

December 8, 2021 | Posted by: Justin Emilio

Did you know? Approximately 15%+ of Canadians are self-employed, making this an important segment in the mortgage and financing space. When it comes to self-employed individuals seeking a mortgage, ...

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What to do if You Are Denied a Mortgage

What to do if You Are Denied a Mortgage

November 24, 2021 | Posted by: Justin Emilio

What to do if You Are Denied a Mortgage Main reasons Why your mortgage application is Denied and What to do If Mortgage lenders reject Yours Mortgage lenders often reject loan application requests f ...

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How to Know if it's Time to Refinance

How to Know if it's Time to Refinance

November 3, 2021 | Posted by: Justin Emilio

How to Know if it's Time to Refinance According to mortgage advisors, mortgage refinancing is one of the ways to make and save money from your home loan. When done right mortgage refinancing benefits ...

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7 Steps for Mortgage Prep

7 Steps for Mortgage Prep

November 2, 2021 | Posted by: Justin Emilio

Step 1 - Your Credit ScoreWhether you qualify for a mortgage through a bank, credit union or other financial institution, you should be aiming for a credit score of 680 for at least one borrower (or g ...

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Up for Renewal??

Up for Renewal??

November 2, 2021 | Posted by: Justin Emilio

When it comes time to renew your mortgage, most lenders will send you a renewal letter when there is around 3 months remaining on your term. While nearly 60% of borrowers simply sign and send back the ...

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Bank Of Canada Rate Update Oct 27, 2021

Bank Of Canada Rate Update Oct 27, 2021

October 27, 2021 | Posted by: Justin Emilio

Bank of Canada maintains policy rate and forward guidance, ends quantitative easing The Bank of Canada today held its target for the overnight rate at the effective lower bound of ¼ percent, with ...

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Five Great Benefits of Owning an Investment Property

Five Great Benefits of Owning an Investment Property

October 20, 2021 | Posted by: Justin Emilio

Five Great Benefits of an Investment Property Maybe you have considered investing in real estate but aren't sure if it's the right move for you. There are several benefits to an investment property, ...

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What Is Home Equity and How Can I Build It?

What Is Home Equity and How Can I Build It?

October 6, 2021 | Posted by: Justin Emilio

Home equity is an essential asset for creating wealth and income. Learn how home equity is calculated, why it's important, and five steps you can take to build it. As you make monthly mortgage paymen ...

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Why Invest in a Home Inspection

Why Invest in a Home Inspection

October 6, 2021 | Posted by: Justin Emilio

While home inspections might not be the most exciting part of your home buying journey, they are extremely important and can save you money and a major headache in the long run. In a competitive hous ...

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Low Credit is Spooky! Get Better Credit With The 5 C’s

Low Credit is Spooky! Get Better Credit With The 5 C’s

October 6, 2021 | Posted by: Justin Emilio

Buying your first home is an incredible step in life, but it is not without its hurdles! One of which is demonstrating that you are creditworthy, which all comes down to your ability to manage credit. ...

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Fall Home Tips

Fall Home Tips

October 6, 2021 | Posted by: Justin Emilio

It is hard to believe it is October already! Even though Fall has already started, there are a few things you can do still to ensure your home is well-prepared for the season:     Inspe ...

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How to Handle a Low-Ball Offer in Real Estate | Home Selling Advice

How to Handle a Low-Ball Offer in Real Estate | Home Selling Advice

September 15, 2021 | Posted by: Justin Emilio

How to Handle a Low-Ball Offer in Real Estate - Home Selling Advice How to negotiate and handle low-ball offers on your real estate property in a buyer's market without compromising the value or wort ...

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5 Approval Roadblocks You Should Know

5 Approval Roadblocks You Should Know

September 9, 2021 | Posted by: Justin Emilio

When buying a home, there is nothing worse than having your mortgage broker or lawyer call and say “there is a problem”. If you have found your dream home and negotiated a fair price, and ...

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How to Talk to Your Kids about Finances

How to Talk to Your Kids about Finances

September 9, 2021 | Posted by: Justin Emilio

A vast majority of parents are currently supporting their children (ages 18-35 years) financially, spending an average of $5,623 per year! This is an extensive additional cost that most parents cannot ...

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Bank Of Canada Rate Update Sept 8, 2021

Bank Of Canada Rate Update Sept 8, 2021

September 8, 2021 | Posted by: Justin Emilio

Bank of Canada maintains policy rate, continues forward guidance and current pace of quantitative easing The Bank of Canada today held its target for the overnight rate at the effective lower boun ...

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What are credit scores and how are they important?

What are credit scores and how are they important?

September 7, 2021 | Posted by: Justin Emilio

A credit score is a number that shows how likely you are to pay or default on credit. It ranges from 300 to 850; the higher the number, the more creditworthy lenders deem you. Your credit history dete ...

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Getting a Mortgage as a Student

Getting a Mortgage as a Student

August 18, 2021 | Posted by: Justin Emilio

Purchasing a home is most likely one of the most sizable purchases most of us will ever make, and finally, buying a home is a dream come true for most. For students, it may seem like this dream is fo ...

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What Happens if You Lose Your Job Before Closing?

What Happens if You Lose Your Job Before Closing?

August 4, 2021 | Posted by: Justin Emilio

A job loss a few days or weeks prior to closing your home purchase can be distressing; especially when you have no alternative source of income. Getting a new job can ease the situation, but it's not ...

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How a Funding Condition Can Secure Purchasers From Financial and Legal Penalties in  BC

How a Funding Condition Can Secure Purchasers From Financial and Legal Penalties in BC

July 21, 2021 | Posted by: Justin Emilio

When you make a deal to buy a home, in addition to thinking about how much money to provide, you likewise need to think about any conditions that you want to include. Some common conditions deal with ...

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2022

Top 10 Questions to Ask Your Mortgage Broker in BC

How Much of A Mortgage Can You Afford?

Housing Market Predictions

2021

Prequalification and Pre-Approval—What is the Difference? Home Buying in BC

Bank Of Canada Rate Update December 9, 2021

Selling Your Home in Winter

Mortgages for the Self-Employed

What to do if You Are Denied a Mortgage

How to Know if it's Time to Refinance

7 Steps for Mortgage Prep

Up for Renewal??

Bank Of Canada Rate Update Oct 27, 2021

Five Great Benefits of Owning an Investment Property

What Is Home Equity and How Can I Build It?

Why Invest in a Home Inspection

Low Credit is Spooky! Get Better Credit With The 5 C’s

Fall Home Tips

How to Handle a Low-Ball Offer in Real Estate | Home Selling Advice

5 Approval Roadblocks You Should Know

How to Talk to Your Kids about Finances

Bank Of Canada Rate Update Sept 8, 2021

What are credit scores and how are they important?

Getting a Mortgage as a Student

What Happens if You Lose Your Job Before Closing?

How a Funding Condition Can Secure Purchasers From Financial and Legal Penalties in BC

Bank Of Canada Rate Update July 14, 2021

Risks of Putting Down a Firm Offer with a Pre-Approval BC

Low Rates in BC Helping Buyers Pay Off Their Mortgages at Record Pace

Buying Land To Build A Home in BC

Bank Of Canada Rate Update June 9, 2021

Your House-Closing Timeline: A Step-By-Step Guide | BC

What Are the Next Steps After Your Offer Was Rejected? In BC

Investing In An Apartment Complex

2021 Mortgage Stress Test - Latest Updates

Things To Look Out For When Viewing A Property

April 21-2021 - Bank of Canada will hold current level of policy rate until inflation objective is sustainably achieved, adjusts quantitative easing program

Stress Test 2021

April 2021-Bank of Canada Releases Results from Consultations on Inflation and Monetary Policy

Buying A Home As A Senior Citizen | BC

Top 10 Considerations When Moving to a New Area

Multi-Family Lending: What You Need To Know About Hard Money Loans

Why Borrowers May Choose a Private Mortgage

How to Handle a Mortgage After a Separation or Divorce

How Good vs Bad Debt Impacts Your Household

Benefits of Investing in Multi-Family Real Estate

2020

Top 3 Biggest Home Seller Mistakes

3 Tips on How to Better Your Credit Score

Renting VS Buying a Home

Five Tips for Buying a Condo

Cons of For Sale By Owner (FSBO)

Real Estate 101: Getting Your Home Ready To Show

Tips for Real Estate Investors

Reverse Mortgages – Impact on Heirs

Advice for First-Time Home Sellers

Top 3 Home Improvement Ideas to Increase the Value of Your Home

5 Things NOT To Do When Selling Your House

Home Inspections, How They Can Benefit Home Buyers and Sellers

Useful Tips for Buying and Selling A Home During Covid-19

When Is Mortgage Refinancing a Bad Idea?

Is it a Good Time to Become a First-Time Home Buyer?

5 First-Time Homebuyer Mistakes To Avoid

Purchase + Improvements Mortgages

5 Smart Ways to Use a Home Equity Line of Credit

What should you consider when refinancing your mortgage?

6 Signs a Home Will Likely Increase In Value

6 Persistent Real Estate Myths You Really Need to Ignore

Should You Pay Off Your Mortgage Early?

New Stress Test On Insured Mortgages

Real Estate 101: Essential Tips for First-Time Home Buyers

10 Essential Tips for Taking Out Your First Mortgage

Should You Refinance Your Mortgage?

Should You Spend the Full Mortgage Amount You're Approved For?

Take Advantage of Low Interest Rates – Refinance Your Mortgage Today!

2019

Strategies to Dig Yourself Out of the Debt Hole

Why You Need an Emergency Fund And How to Get One

The Benefits of Investing in Income Producing Properties

4 Hidden Problems That Could Be Hurting Your Home Sale

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