“If you ain’t first, you’re last!” -Ricky Bobby   If you’ve been hiding under a rock, haven’t turned on your TV or read any form of News, you may be surprised to learn that the Housing market is pretty hot right now.  Seems weird, given that many are working from home or worse, out of […]

“I’m very important, I have many leather-bound books and my apartment smells of rich mahogany” -Ron Burgundy   If you were to Loan a large amount of money to a stranger, you would probably have a few questions first. Wouldn’t you?  Well, your Bank, Monoline or Private lenders are no different when it comes to […]

“The future depends on what we do in the present” -Ghandi   For those of you who took my advice, got pre approved and now have a three month safety net – congratulations!  If you haven’t taken the plunge yet, it’s not too late…give your favourite Mortgage Agent a call ASAP (I know a good […]

“It’s tough to make predictions, especially about the future” -Niels Bohr, Mark Twain, Nostradamus, Yogi Berra, Harry Caray   If we can’t even agree on who said a past quote, what makes you think that we can agree on future markets?  Having said that, my vote for the Author of that quote is on Harry […]

“There’s nothing holding us back, except fear and common sense” -Capt. Bob Dorion   It’s a seller’s market out there.  With record low Interest rates, there’s never been cheaper money.  With most things closed because of the pandemic, households have more disposable income than ever.  Combine that with a very low supply of homes for […]

“Screw it, let’s do it!” -Richard Branson     So, you’re getting the itch to jump into Home ownership, good for you.  I’ll let you in on a secret – it’s worth it!  But it’s a bigger purchase than you’ve ever made, so you want to get it right the first time.  The simple, and […]

“The most difficult thing is the decision to act, the rest is merely tenacity” – Amelia Earhart   In the previous post we spoke about what a Credit Score is and what affects it.  This time we’ll discuss several ways to bump up that number to help your financial picture.  A higher score will give […]

“A man who pays his bills on time is soon forgotten” – Oscar Wilde   Your credit score is a numerical picture of your finances, the higher the number, the better.  Credit scores vary from 300-900 where 300 is the lowest possible score.  It’s an important number because it shows a potential Lender what kind […]

“If you’ve come this far, maybe you’re willing to come a little further” – Andy Dufresne   I’m glad that you’ve considered letting me guide you to your home Mortgage.  If you’ve never worked with a Mortgage Agent before, you might wonder what advantages come with it?  Usually the first questions that I’m asked are: […]