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Saving for a down payment is often the biggest hurdle when it comes to purchasing a home. Once you have your down payment saved it is important to note that you will be required by the mortgage lender to provide documentation for the source of your down payment and to fulfill this condition for your […]

Effective August 1st, 2024, the Department of Finance will now allow homeowners purchasing a newly built property and who meet First Time Home Buyer (FTHB) criteria, the option of a 30 year amortization for insured mortgages. This Insured offering is an exciting opportunity for First Time Homebuyers looking to alleviate the pressures of affordability. This […]

Changes are happening in the housing and mortgage space as we move into the second half of 2024. I thought I’d give you an update on how I can help you this year with mortgage rates decreasing. So here are 7 ways I can help you in 2024: 1️⃣ Personalized Advice You’re reading this blog […]

Starting next week on July 18, 2024, British Columbia will make it harder for landlords to ask tenants to leave when a new buyer wants to move in. This new rule is to protect renters from unfair evictions but might seem unfair to some landlords and make things tricky for people buying a home. Conditions […]

Many people think they have to pay off all their debt before they can buy a house, but that's not true! You can still get a mortgage (a loan to buy a house) even if you have some debt. The important thing is how your debt compares to your income and how well you can […]

Renewing your mortgage is a big step in your home ownership journey. Whether you have questions about how the mortgage renewal process works, or you are wondering how your finances will be affected by your upcoming mortgage renewal I have some tips to help you out: 1. Evaluate your monthly cash flow, budget accordingly, and […]

Is your mortgage coming up for renewal this year or in 2025? Do you know about all the incredible options renewing your mortgage can afford you? If not, I have all the details here on how to make the most of your renewal! Get a Better Rate: Did you know that when you receive notice […]

Stepping into the mortgage world for the first time can feel a bit like learning a new language. But don’t worry, I’m here to translate some of the key terms and concepts that can make a significant difference in your homeownership journey. Today, we’re focusing on three overarching themes: mortgage structure, rates, and aligning your […]

Deciding when to buy your first home can feel like a huge leap. If you’re wrestling with the decision, here are some clear signs that you might just be ready to transition from renting to owning: Your Credit Score is Looking Good: If your credit score is 680 or higher, you’re in a great position […]