Purchase a home and customize it! With house prices remaining flat or declining in most parts of the country (other than Vancouver, Toronto and their surrounding areas), I have seen an increase in “Purchase Plus Improvement” mortgages. This is where you purchase or refinance a home and need funds to renovate it, or in mortgage…

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Last minute Christmas shopping? Give a pre-approval! If you are STILL unsure of what to get your spouse for Christmas, and it’s been on your “To-Do List” for months to get pre-approved. I am doing rush mortgage pre-approvals up until this Friday the 23rd, so you can surprise them with the good news of buying…

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Doom and gloom for Oct. 17th…Maybe not! You heard correct. A little bit of doom and gloom headed your way on Oct. 17th 2016 if you are a homebuyer… or potentially as a seller for that matter. But, hang in there, let me introduce the light at the end of the tunnel. Honestly! The Government…

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Feds postpone rate hike. Will rates take a hike soon? This blog post is sourced by the expert and economist Dr. Sherry Cooper. Enjoy her brilliance below:  No one expected the Federal Reserve to raise rates today even though they have been criticized by some for lacking credibility. When the target overnight fed funds rate…

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Real Life Story #2 – New Job In the past month I have had two customers with new jobs come to me for a pre-approval. One was a teacher, and the other worked as an office administrator. Both had a similar situation with similar fears, which brought me to writing this. Two complete strangers, two…

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Hey! I will now be posting occasional Real Life Stories about my mortgage situations I encounter. I will be posting these along with my regular blog posts. These will be short and sweet and contain a quick story that may be helpful as you plan your next purchase or refinance! 🙂 Here we go! I…

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Basement Suites worth it??? I am a fan of maximizing my dollars in whatever capacity possible while maintaining sanity and lifestyle. I find basement suites a way for this to happen. I am a fan of legal basement suites…. illegal and non-conforming are awesome too on a cashflow perspective but come with a bit more…

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When I am doing pre-approvals for clients, I get this question all the time: “Is this pre-approval good for both kinds of listings, realtor and private sales?” It is a good question, and I suppose an important one because everyone wants to maximize their house hunting opportunities. For that maximizing reason I understand the desire…

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