Mobile app for home buyers

Canada Mortgage and Housing Corporation (CMHC) recently introduced two new tools to help Canadians make informed and responsible home-buying decisions – including a calculator and mobile app for home buyers. CMHC’s new Debt Service Calculator allows home buyers to evaluate their financial situation and understand how much they can afford to spend on a mortgage. […]

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Will Job Growth Equal Rate Growth?

Will job grow equal rate growth? By Vernon Clement Jones | 03/01/2013 8:00:00 AM | 0 comments Will job growth equal rate growth?  Brokers worried stronger-than expected job numbers for December will spur the Bank of Canada into action may have it wrong, say economists, pointing to an otherwise sluggish economy and the continuing need […]

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Cosign for a mortgage

There are many situations where you may need to ask for help and in some cases someone to cosign for a mortgage. John and Angela owned a home together which they shared with their two small children. When it came time for them to end their marriage, Angela was unable to qualify on her own […]

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Co-signor or Guarantor for a mortgage?

If a buyer can’t obtain a mortgage due to poor credit, employment history, lack of down payment or income — most lenders will consider lending if there is someone to act as co-signor or guarantor for a mortgage.  The two options provide different requirements. Co-signer or guarantor for a mortgage which is best? People often […]

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Making Sure Your House is Ready for the Cold

There are many things that can happen to your home if you don’t prepare for winter including leaks to pipes that freeze and burst. Pipes that burst are not just a terrible mess; they can cost you tens of thousands of dollars in repairs! It is always good to have a check list to refer […]

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Vendor Take-Back Mortgage

Growing in popularity over the past few years, the vendor take-back mortgage can help buyers to purchase and sellers to find qualified buyers – especially in a tough market. What is a vendor take-back mortgage – or VTB? When a seller offers to lend the buyer a portion of money towards the down payment – […]

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Borrowing can be this simple…

Borrowing can be this simple… It is my job to listen to your individual needs, walk you through the process and help you understand how you can make the most of your mortgage, review credit qualifications and clarify terms and conditions. I help you access financing that will work for you today and as your […]

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Qualify for a Mortgage – 5 things to know

Top 5 Reasons People Can’t Qualify for a Mortgage. I receive calls every month from people who want to know how to qualify for a mortgage because they were declined by their bank.  In many cases I can help them and in some cases they have to wait – but we identify what they need […]

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