Mortgage Blog

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Why Opt for a Mortgage Broker Over a Bank in 2024: Your Comprehensive Mortgage Handbook

Why Opt for a Mortgage Broker Over a Bank in 2024: Your Comprehensive Mortgage Handbook

January 16, 2024 | Posted by: Bailey Simner

In today's ever-changing real estate landscape, the quest for the perfect mortgage tailored to your needs has never been more crucial. With economic dynamics and interest rates ...

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Down Payments 101

Down Payments 101

January 4, 2024 | Posted by: Bailey Simner

Embarking on the journey of purchasing your first home is an exhilarating yet intricate process. For many first-time homebuyers, understanding the nuances of down payments beco ...

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Navigating Economic Challenges: Exploring Mortgage Amortization Extensions in the Face of Inflation and Interest Rate Shifts

Navigating Economic Challenges: Exploring Mortgage Amortization Extensions in the Face of Inflation and Interest Rate Shifts

December 14, 2023 | Posted by: Bailey Simner

n light of recent inflation trends and the potential conclusion of interest rate hikes by the Bank of Canada, Canadians are actively seeking effective ways to navigate the persistent challenges posed ...

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Navigating Your First Home Purchase: The Vital Role of Mortgage Brokers for First-Time Homebuyers

Navigating Your First Home Purchase: The Vital Role of Mortgage Brokers for First-Time Homebuyers

December 8, 2023 | Posted by: Bailey Simner

Buying your first home is an exhilarating journey, but it often comes with a myriad of challenges, particularly in the realm of mortgages. For first-time homebuyers embarking on the path to homeowne ...

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Navigating Mortgage Breaks: Understanding Penalties and Seeking Professional Guidance

Navigating Mortgage Breaks: Understanding Penalties and Seeking Professional Guidance

December 8, 2023 | Posted by: Bailey Simner

Owning a home is a significant financial commitment, and sometimes circumstances arise that prompt homeowners to consider breaking their mortgage for a better rate or a complet ...

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Why it is Important to Check the Fine Print Behind No Frills, Discounted Mortgages

Why it is Important to Check the Fine Print Behind No Frills, Discounted Mortgages

December 1, 2023 | Posted by: Bailey Simner

We are witnessing a surge in low-rate, no-frills mortgage promotions that may catch your eye, but it's crucial to scrutinize the fine print. These mortgages, while attention-grabbing, often come with ...

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What is a Monoline Lender and How is it Different from a Bank?

What is a Monoline Lender and How is it Different from a Bank?

November 27, 2023 | Posted by: Bailey Simner

I frequently come across questions regarding monoline lenders, particularly in relation to who they are,  their advantages, and the process of accessing their services. Let's delve into it: To s ...

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The Importance of 'Conditional on Financing' in Times of Rising Interest Rates

The Importance of 'Conditional on Financing' in Times of Rising Interest Rates

October 11, 2023 | Posted by: Bailey Simner

Picture this scenario: You stumble upon your dream home and can hardly contain your excitement as you prepare to make an offer. However, there's a critical question to ponder: Should you include a fin ...

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When is the RIGHT TIME to Buy a Home?

When is the RIGHT TIME to Buy a Home?

August 31, 2023 | Posted by: Bailey Simner

When is the RIGHT TIME to buy a home??You've diligently accumulated funds for a down payment, secured a solid credit score, ensured stable employment, and even set aside money for closing costs and re ...

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Why Choose a Mortgage Professional?

Why Choose a Mortgage Professional?

April 28, 2023 | Posted by: Bailey Simner

While it's possible to deal with a lender directly when obtaining a mortgage, it's often beneficial to work with a mortgage professional when obtaining a mortgage for a new purchase or when negotiatin ...

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