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Are you thinking of starting a career in the mortgage industry? That’s amazing! You are heading down an exciting, challenging and rewarding career path. You might be trying to figure out where to start, what it’s all going to look like and how to do it all, so let’s walk through it. HOW DO I … Continued
3 years ago
One of the first decisions you are going to have to make when you start your home buying journey is whether you want to work with a mortgage broker or your banker. Now I know a couple of you go-getters just thought to yourself. “I don’t need them, I can do it myself!” You’re right. … Continued
3 years ago
Credit checks can scare a lot of people, but there’s no need to be scared. Once you look into it more you will realize that credit scores are very straightforward and it is easy to make little changes in your life to rebuild your credit if you need to. Take a deep breath, relax and … Continued
3 years ago
No one likes debt and everyone is always looking for solutions to decrease their debt. There are lots of different options available to reduce your debt. Did you know you can use your mortgage to consolidate some of your debt? WHAT IS MORTGAGE REFINANCING FOR DEBT CONSOLIDATION? Mortgage refinancing is when a homeowner renegotiates the … Continued
3 years ago
Making the choice between fixed rate or variable rate will be one of the biggest decisions you’ll make when seeking a mortgage. Not to stress you out but this decision could be the difference of years to pay off your mortgage, and could cost or save you thousands! Since it is such a big decision … Continued
3 years ago
It’s time to renew your mortgage! You may have received a slip in the mail from your lender saying it’s time to renew or maybe you’re proactive and starting early. Either way you probably have questions, so let’s get into it. Everything you need to know to renew your mortgage! WHAT IS A MORTGAGE RENEWAL? … Continued
3 years ago
Picking a brokerage to work with is an important decision. The people you surround yourself with and the environment you work within is going to help pave the way for your career. You have lots of options and factors to consider. Let’s talk about the steps to take to find the right brokerage to start … Continued
3 years ago
Getting a mortgage pre-approval is the first step to buying a home and if you’re looking for a house you have probably heard the term “pre-approval” once or twice. Which means you might be wondering what is a mortgage pre-approval? Why do I need one? How do I get one? Especially if you’re a first … Continued
3 years ago
Are you someone that has poor credit? Are you struggling to qualify for a traditional mortgage? Do you have a unique source of income? Maybe you’re only planning on owning your home for a short period of time? Private mortgage financing might be for you! It is a less common method to obtain a mortgage … Continued
3 years ago
Sometimes saving for a down payment can seem overwhelming and next to impossible. No matter your current financial situation, spending habits and income level, if you create the right plan for yourself you will get there eventually. It may not be a fast and glorious path but the benefits of homeownership will outweigh the temporary … Continued
3 years ago
Studying for your mortgage exam can be tricky! Balancing your time and responsibilities with all your coursework can definitely pose a challenge at times. That doesn’t mean it isn’t possible though. I have compiled a list of studying tips that really helped me get through my courses when I was in your position. Follow these … Continued
3 years ago
So you’re ready to start your career? Congratulations must be in order! If you’re at this point you’ve done the course, you’ve passed your exam and you’ve found a brokerage to start working with. This is huge but can also be overwhelming, what now right? The ball is in your court and it’s time to … Continued
3 years ago
Almost 3 quarters of Canadians are in debt so if you’re searching for solutions you are not alone! Coming up with a financial plan to get you where you want to be is a great idea. It can be terrifying to face your debt but you’re taking steps in the right direction and there will … Continued
3 years ago
So you want to be a mortgage broker? Good decision, you’ve come to the right place! I got into the industry 16 years ago and never looked back. You are choosing a fulfilling role where you not only get to help people achieve their home ownership goals but you also have unlimited growth potential to … Continued
3 years ago
Are you considering making changes to your mortgage? Every homeowner at one point or another. People dread changing their mortgage because it can be confusing and overwhelming. You have lots of options, it’s a big decision and sometimes it can be hard to figure out where to start. My job is to make this process … Continued
3 years ago
Looking at buying your first home!? That is amazing and I am so excited for you! Buying a home can be incredibly exciting and also stressful and confusing. I’m here to help you navigate this process with ease and simplicity. I can work with you no matter what level of credit history or financial situation … Continued
3 years ago
In today’s day and age, more and more borrowers are struggling to qualify for a mortgage. When you look at house prices in your area and factor in a combination of stricter guidelines, new stress test rules, bruised credit, self-employed, etc., it can be challenging to say the least. When this happens, sometimes the quickest … Continued
3 years ago
While we have likely already done business together, and you understand the difference between a banker and a broker, it might be worth a quick refresh, in case you have a friend or family member who could use this information! Feel free to pass this on. What’s The Difference? The difference between a banker and … Continued
3 years ago
If your down payment is under 60% of the purchase price, you will need mortgage insurance on your loan. We will determine the size of this premium and automatically include it in the calculations.
