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Are you thinking about buying your first home? Congratulations on taking this exciting step! To set yourself up for success on this homeownership journey, it’s essential to build a strong financial foundation. Here are some valuable tips to consider: 1. ...

If you’re a first-time homebuyer, you’re likely juggling a lot of information, from mortgage rates to property listings. But there’s one critical piece of the puzzle that often gets overlooked: your credit score. This three-digit number can play a pivotal ...

Becoming a homeowner is a significant life milestone that comes with a mix of excitement and responsibility. Whether you’re just starting to consider homeownership or you’re ready to take the plunge, a little preparation can go a long way in ...

Applying for a mortgage is a significant step in one’s journey towards homeownership. It involves careful consideration of financial factors, thorough documentation, and navigating a complex process. However, many individuals fall into common pitfalls that can derail their mortgage applications ...

You have most likely heard about debt consolidation. But do you know what it means? There are certainly some negative stigmas associated with it, but it can be a great tool for the right person. Here is a quick overview ...

Trying to save for a down payment can be challenging as life can often get in the way.  The down payment can be a huge challenge for some considering it’s the biggest upfront cost to purchase a home. Here are 5 ...

Below are a few scenarios I have recently seen and wanted to share.  Let’s face it, rejection sucks, but unfortunately, it’s part of life. But when it comes to mortgages it can shake up one’s future planning.  Knowing why it ...

Porting your mortgage is when you transfer the remainder of your current mortgage term, outstanding principal balance, and interest rate to a new property if you’re selling your existing home and buying a new one. Some of the big banks ...

On top of paying for your mortgage, property taxes, home insurance and so on, have you ever thought about saving for home maintenance repairs? Owning a home comes with unexpected costs, some of them are minor like replacing a leaking faucet, and some are major ...

If you’ve never heard of a monoline lender before, I’m not surprised. Monoline Mortgages lenders aren’t available through a bank; they are only accessible through Mortgage Agents & Brokers. Monoline lenders offer mortgages and nothing else, they don’t have any ...

So, you’ve decided to buy a home – this can be exciting and stressful all at the same time! Choosing the right professionals to work with you is key to making the whole process as smooth as possible. Realtors are ...

Congratulations if you have been pre-approved for a mortgage! Your pre-approval should have covered the following things: maximum spend on a home, discussions around affordable monthly mortgage payment, credit score, proper down payment history, funds for closing costs and rate ...

For the best possible mortgage rate and products, you need to have an excellent credit score. To ensure you’re setting yourself up for success, there are a few key things to keep in mind:  Make Your Payments On Time This ...

There are 4 key things that determine of you are ready to purchase your first home. Buying your first home is a huge financial commitment and there are some key indicators that you’re ready to buy.  If you are interested ...

Buying a home is one of the most emotional things a person will do. This can be amplified, in a competitive housing market where you feel obligated to bid over asking because you don’t want to lose out.  One of ...