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You are a considering becoming a first time home buyer and you may have a lot of questions about mortgage loans. If you would like to understand the home buying process better and are looking for that perfect mortgage feel free to contact me to get all the information you require. For most first time…
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You are a lucky new homeowner! Congratulations! You have searched and finally found your dream home. You have secured your mortgage and gone through real estate brokers, home inspections, lawyers and shopped around for insurance. You’ve done your homework on closing costs and signed a ton of paperwork. This has been a busy and exciting…
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Debt consolidation is the process of combining two or more debts into one. This will then result in a single debt payment and lower the total interest costs for you. Through debt consolidation you will have a better defined road map to becoming debt free! Debt Consolidation Loans A debt consolidation loan is a single…
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Statistics show that nearly 20% of all income earners in Canada are now self-employed (at least part-time). We often question why it is so difficult for this growing demographic to get a mortgage. Some of the issues include the fact that income for the self-employed is usually hard to prove. Many business-for-self owners are…
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According to many people, selling the house in the winter is a hassle. Some even say that it is the worst time of the year to sell a home. Given the severity of winter here in Ottawa, with snow storms and cold weather, it is definitely a challenge, but not for the determined ones! During…
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As magical and amazing Canadian winters are, they are also unbearably cold. A warm and a cozy abode is an essential in order to survive the fiery cold weather. Now that fall is officially here, and leaving already, it’s time to prepare your home for cold weather. People remember to bundle themselves up, but leave…
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Record Low Interest Rates, Record-High House Prices We now have mortgage trends that make it an ideal time to buy your dream home. We have reached ultra-low interest rates. It has never been easier or cheaper to pay off the interest rates on your mortgage. The five year fixed rate mortgage is tempting to first-time…
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Making the switch from home renter to home owner is a challenging shift for pretty much everyone. The hardest part by far is saving enough money for a down payment on your first home. If you are serious about this goal you will make it your number one priority in the upcoming few years to…
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What is Mortgage Renewal Time? Unless you can come up with the cash to pay off your remaining balance of your mortgage in your first term, it is time for a mortgage renewal. In simple terms, a mortgage renewal is the process of taking the outstanding balance of your mortgage and renewing it for another…
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Everyone’s dream is to one be the proud owner of a home, however, that dream can quickly turn sour if first time home buyers do not know what they are getting into. Buying a home takes time, patience and sometimes luck. Before going for it and signing off on all the paperwork, read up on…
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