Purchase Plus Improvement

Purchase Plus Improvement

You’ve found the perfect home, but… Oh, that kitchen needs so much work. The carpet needs to be pulled up. The windows are so old. How can we afford a new roof, furnace, or cooling system? It would be perfect if there were an ensuite. Did you see that basement? It needs so much work.…

Working With A Builder

Working With A Builder 

When you buy a home from a builder, the salesperson is selling you a dream of a future life, not the reality of the process in the present moment. Let’s take a closer look at the overall process when purchasing a newly built home. Once you have decided on a builder, you will follow their…

How to Consolidate Your Debt and Save

How to Consolidate Your Debt and Save

Financial stress is the worst. It’s a heavy monkey to carry on your back. Are you looking for a simple way to pay off credit card debt faster? There are solutions. One of the keys to paying off credit card debt is to commit to a fixed monthly payment, targeting one card at a time,…

Is Rate the Most Important

Is Rate the Most Important?

Mortgage clients frequently tell me, “I need the best mortgage rate; what rate do you offer?”  Rates today are not that simple, period. If you ask me, what’s your best mortgage rate? My response will be, I don’t know, what’s your credit score? How much is your down payment? How are your ratios? Are you employed,…

Mortgage Repayment Options Explained

Mortgage Repayment Options Explained

So you’ve got you’re mortgage approval, now the lender gives you the choice of several repayment options.  You’ve heard about the standard monthly payments but what’s semi-monthly or accelerated bi-weekly?  Which one can save you the most amount in interest and which one can pay your mortgage off sooner? Here’s the down and dirty on…

Let’s Boost Your Score

Let’s Boost Your Score

There’s a virtual credit file with your name on it. When it comes time to apply for your mortgage, everything in this file and how you managed credit use until now, will determine if you will achieve financing, how much you can borrow, and at what rate. Well, that sounds a little intimidating. The good…

5 Ways To Improve Your Credit Score

5 Ways To Improve Your Credit Score

I hope this email finds you happy and well. Unless you have been living under a rock, you know that your credit score plays a crucial role in obtaining a mortgage. Talk about credit scores is everywhere – on television ads, in apps, on social media. But how, exactly, does YOUR credit score affect YOUR…

A Fun Look At How Others See Your Home

A Fun Look At How Others See Your Home

We all think our homes are worth a million dollars, but you may be surprised to know that not everyone in the housing chain sees your home as you do. Check out the photos below, they will give you a glimpse at how real estate industry professionals value your home.  

What does it mean to refinance

What does it mean to refinance?

“My friend rolled their car loan and other debt into their mortgage. Can you do that for us?” When someone says this to me, I know what they really want to do is use the equity they’ve built up in their home to help alleviate some of their financial pressure and freeup cash-flow. And, yes,…

The Ten Commandments of Buying a Home

The Ten Commandments of Buying a Home

When buying a home, there are sure-fire ways to cause hiccups at closing; on rare occasions, it has cost the client their purchase.   Here’s a fun way of remembering what not to do, until you hold the keys to your home in your hands.   The Ten Commandments of Buying a Home 1. Thou…