When is the right time to refinance?
Bankruptcy / Credit / Debts / Documents / Lenders / Mortgage Renewal / Qualifying / Quizzes / Rates & Terms / Refinance

When is the right time to refinance?

If you are stressed about the amount of debts you have or mortgage payment amount(s) you are currently making, it may be time to look at refinancing your home as rates are still low and Edmonton has a stable housing market.  If you’re unsure if it makes financial sense to restructure your current mortgage, a review of … Continue reading

Who are you going to call?
Downpayment / First Time Home Buyer / Insurance / Lenders / New to Canada / Pre-Approvals / Purchase / Refinance

Who are you going to call?

  There are multiple professionals who are involved in a typical real estate transaction which may sometimes cause some confusion. Below you’ll find a summary of the most common individuals you will run into if you’re purchasing or refinancing a property and what expectations you should have of them. Start with the basics Your maximum … Continue reading

Where there’s smoke, there’s fire
Bankruptcy / Credit / Debts / Documents / Lenders / Pre-Approvals / Purchase / Qualifying / Refinance

Where there’s smoke, there’s fire

A fall fire in the back yard reminded me of an old phrase that can apply to credit ratings, which is always a hot topic in the mortgage industry. No, burning your bills is not the fire I’m talking about! Though if that’s the first thing you thought of, this article should be worth a … Continue reading

This upfront decision could save you thousands off your mortgage
Debts / Documents / Downpayment / Lenders / Mortgage Renewal / Pre-Payment / Refinance

This upfront decision could save you thousands off your mortgage

There are a few ways you could do this; utilize pre-payment privileges throughout the year to pay off your mortgage balance quicker, pay accelerated weekly or bi-weekly payments, or take a shorter amortization period. By making a decision upfront which focuses on faster mortgage repayment, not only can you save thousands in interest by shortening … Continue reading