by Tim Lacroix | Sep 17, 2020 | General Advice, Money Matters, Mortgage Advice
There are different mortgages for different situations, which makes sense, but a lot of people don’t really think about it until they try to get a loan and realize they don’t qualify or it’s not as straightforward as they thought it would be. Having the information...
by Tim Lacroix | Jul 16, 2020 | General Advice, Money Matters, Mortgage Advice
In the last month, CMHC released significant changes to their underwriting policies, that is, how they determine if someone can get a mortgage when they purchase with less than a 20% down payment. As of July 1 st , CMHC has implemented these changes and the industry...
by Tim Lacroix | Feb 20, 2020 | General Advice, Money Matters, Mortgage Advice
Purchasing your first time is a big step, and when that comes with the 25-year financialcommitment of a mortgage, it’s a decision that shouldn’t be made lightly. That being said, buying your home doesn’t need to be overwhelming, especially if you know that it’s the...
by Tim Lacroix | Feb 10, 2020 | General Advice, Money Matters, Mortgage Advice
When looking to purchase a home, whether it’s your first or tenth, the decision to invest in a new or pre-existing build is almost always one of the first questions home buyers face. The idea of buying into the shiny and new is an attractive option, however, higher...
by Tim Lacroix | Jan 31, 2020 | General Advice, Money Matters, Mortgage Advice, Mortgage Rates
So, you want to buy a house?Do you have a down payment? Your down payment is one if the first steps towards home ownership, but it may also be the first hurdle to overcome. Even 5% of the value of a home can feel like a large chunk of cash and can be daunting,...
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