6 Things You Must Know Before You Buy

Subtle changes in the way you approach mortgage shopping, and even small differences in... ”;Read more

Stop Paying Rent

Don’t Pay Another Cent in Rent to Your Landlord Before You Read This FREE Special Report  Read more

Lowest Interest Rates

How to Find the Lowest Home Loan Interest Rates in a Changing Economy  Read more

Investment Mistakes To Avoid

5 Deadly Mistakes Most Investment Property Buyers Make  Read more

Buy with no money down

How To Buy A Home With Little Or No Cash Money Down Read more

Get Cash Fast

How to get the Cash You Need Fast!  Read more

Divorce: Mistakes That Will Crush Your Financial Future

How to Avoid Costly Housing Mistakes in the Midst of a Divorce  Read more

Get a Loan with Damaged Credit

Obtaining a Loan with Damaged Credit  Read more

The Credit Report

9 Things You MUST know to Get Approved  Read more

Best Financing Rates

Best Financing: A 3-Point Plan Read more

24 Hour Loan Approval

Learn How the Process Works!  Read more

11 Mistakes When Applying for Mortgages

Discover How to Avoid 11 Deadly Mistakes When Applying for a Mortgage  Read more

7 Mistakes When Refinancing

Discover how to Avoid the 7 Biggest Mistakes Refinance Shoppers Make  Read more
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Mortgage Refinancing
There are many reasons why you might want to review refinance options: 1) to increase your existing mortgage for investment purposes,
2) consolidation of non-mortgage debt,
3) to finance improvements to your home.

Mortgage Renewal
70% of Canadians sign their mortgage renewal letters without any significant investigation as what other options may exist for them in the market. Many renewal letters are sent out by lenders at the institution’s, higher posted interest rate. It never hurts to ask a second opinion

Credit Challenges
This is a sensitive topic, we treat it as such. There are alternative strategies and solutions to provide assistance for all credit types and employment statuses. As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions.

First Time Home Buyers
This transaction is likely the first, largest, single purchase and biggest investment decision you will most likely ever make. I am here to help you through the maze of lender options and mortgage documentation.

Recent Posts

The Benefits and Risks of Co-Signing for a Mortgage

what you need to know about co-signing

Thanks to tighter mortgage qualification rules and higher-priced real estate—particularly in the greater Vancouver and Toronto areas—it’s not always easy to qualify for a mortgage on your own merits.

You may very well have a great job, decent income, a husky down payment and perfect credit, but that still may not be enough.

When a lender crunches the numbers, their calculations may indicate too much of your income is needed to service core homeownership expenses such as your mortgage payment, property taxes, heating and condo maintenance fees (if applicable).

In mortgage-speak, this means your debt service ratios are too high and you will need some extra help to qualify. But you do have options.

A co-signer can make all the difference

A mortgage co-signer can come in handy for many reasons, including when applicants have a soft or blemished credit history. But these days, it seems insufficient income supporting the mortgage application is the primary culprit.

We naturally tend to think of co-signers as parents. But... Read more