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Should I Purchase A House With Conditions or Make a Firm Offer?
The time has come - you’ve seen over 20 houses in the last couple of weeks and you have now found your dream home. You think to yourself, “this is the one; we cannot lose this deal.” With the market being so competitive, sometimes the difference between a firm and a...
What’s the Process for Getting a Mortgage in Canada?
Unlocking the Home Financing Process: A Step-by-Step Guide to Getting a Mortgage in Canada Before you get too consumed with house hunting, it's a good idea to find a mortgage specialist who can help you get an idea of what home you can afford. It is equally important...
Interest Rate vs. Annual Percentage Rate (APR): What’s the Difference?
The Difference Between Interest Rates and Annual Percentage Rates Interest rate and annual percentage rate (APR) are commonly interchanged due to the slight difference between their calculations. Nonetheless, they are different and important to understand when...
What Determines Your Mortgage Rate?
What Determines Your Mortgage Rate? Mortgage rates are one of many important factors to keep in mind when purchasing a home. They can have a long-term impact on your home's cost when you finance. If you save a fraction of a percent on your mortgage rate, it could save...
New Year, New You: Financial Plan for Homeowners
New Year : Financial Planning for Homeowners With 2021 right around the corner, this is usually the time when most of us reflect on the past years and look at ways to improve ourselves and set new goals. While many people focus on developing new year resolutions that...
What Happens With Your Mortgage During a Divorce?
What Happens to Your Mortgage During a Divorce? Divorces are often messy, painful and complicated. Then you have to add on the extra stress of deciding who owns what. One of the most complicated issues when going through a divorce or separation is dealing with joint...
COVID Success Stories: Cheryl Gets A Home Equity Loan
Home Equity Loan During COVID-19 Meet Cheryl Cheryl has been a very successful travel agent for the past 12 years. Her success has been based upon the care and exceptional service she provides to her clients, so she never in her career as a travel agent expected to be...
COVID Success Stories: Steve and Connie Get A Private Second Mortgage
Steve and Connie's Success Story: How a Private Second Mortgage Helped Them Navigate COVID-19 Meet Steve and Connie Steve and Connie have their sights set on retirement life. Their 2020 goals were to get their house ready to sell and find a new home further north of...
COVID Success Stories: Sanjay and Fatima Purchase A Home
Overcoming COVID-19 to Achieve Homeownership:Sanjay and Fatima's Success Story Meet Sanjay and Fatima. This story starts in March 2016. Sanjay and Fatima have been saving diligently for a down payment to purchase a pre-construction condo in Toronto. Sanjay is a...
COVID Success Stories: Anesha and Shane Refinance
How Anesha and Shane Used Mortgage Refinancing to Overcome COVID-19 Financial Challenges Meet Anesha and Shane. Anesha & Shane are returning clients, with their mortgage maturing April 2020. When our conversation started in November, we had “all the time in the...