Mortgage Blog
The RIGHT WAY to get a Mortgage
Category: Mortgages (32 posts)
Don't sign that renewal
January 31, 2023 | Posted by: Tania Kalinich
Too often when mortgage renewal dates approach, consumers simply sign the offer from the bank without much research. It's important to remember ...
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Multi-Family Lending: What You Need To Know About Hard Money Loans in Maple Ridge & Pitt Meadows, BC
March 1, 2021 | Posted by: Tania Kalinich
Multi-Family Lending: What You Need To Know About Hard Money Loans Multi-family real estate is one of the most popular investments for both newbie and seasoned investors. Buyers in the past used trad ...
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Why Borrowers May Choose a Private Mortgage
February 17, 2021 | Posted by: Tania Kalinich
Why Borrowers May Choose a Private Mortgage When most people want to buy a home, they get a list of local banks and mortgage companies to start comparing the available financing options. However, the ...
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How to Handle a Mortgage After a Separation or Divorce in Maple Ridge & Pitt Meadows, BC
February 5, 2021 | Posted by: Tania Kalinich
Mortgage Life After Separation and Divorce Separation and divorce present many challenges. It's a situation you likely never thought you'd never be in, but now there are personal and financial conseq ...
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Bank of Canada will maintain current level of policy rate until inflation objective is achieved, recalibrates its quantitative easing program
October 28, 2020 | Posted by: Roar Solutions
The Bank of Canada today maintained its target for the overnight rate at the effective lower bound of ¼ percent, with the Bank Rate at ½ percent and the deposit rate at ¼ percent. ...
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Reverse Mortgages – Impact on Heirs in Maple Ridge & Pitt Meadows, BC
September 2, 2020 | Posted by: Tania Kalinich
How do Reverse Mortgages Affect Canadian Heirs? For Canadian seniors, there is a great way to get the most out of the equity in their homes. Home prices tend to rise, and equity builds in the prope ...
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When Is Mortgage Refinancing a Bad Idea in Maple Ridge & Pitt Meadows, British Columbia?
June 3, 2020 | Posted by: Tania Kalinich
Property owners refinance their homes and commercial properties all the time. As your credit improves and you have built more equity into the property, it may make fiscal sense to refinance when int ...
read moreBank of Canada maintains target for the overnight rate, scales back some market operations as financial conditions improve
June 3, 2020 | Posted by: Roar Solutions
The Bank of Canada today maintained its target for the overnight rate at the effective lower bound of ¼ percent. The Bank Rate is correspondingly ½ percent and the deposit rate is &frac1 ...
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5 Smart Ways to Use a Home Equity Line of Credit
April 15, 2020 | Posted by: Tania Kalinich
For homeowners across the globe, home equity lines of credit (HELOCs) have become a handy way of tapping into the value of their homes. However, when borrowing money against your home, it is always a ...
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What should you consider when refinancing your mortgage in Maple Ridge & Pitt Meadows, British Columbia?
April 1, 2020 | Posted by: Tania Kalinich
Mortgage rates are at a historic low. If you're thinking about refinancing your mortgage, you could possibly save significant amounts of money over the years. Especially in the first years of owning y ...
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Bank of Canada lowers overnight rate target to 0.25 percent
March 27, 2020 | Posted by: Roar Solutions
The Bank of Canada today lowered its target for the overnight rate by 50 basis points to ¼ percent. The Bank Rate is correspondingly ½ percent and the deposit rate is ¼ percent. T ...
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Should You Pay Off Your Mortgage Early in Maple Ridge & Pitt Meadows, BC?
February 18, 2020 | Posted by: Tania Kalinich
It's a dream to be able to pay off your mortgage early, but is there a downside? While it sounds like a great idea, there are some factors to consider before doing so. This article will ex ...
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Should You Refinance Your Mortgage?
January 9, 2020 | Posted by: Tania Kalinich
There is a multitude of reasons why a homeowner may be considering refinancing their mortgage. However, before any final decisions are made it is always a good idea to consider carefully whether ref ...
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How to Improve Your Chances of Being Approved for a Mortgage in Maple Ridge & Pitt Meadows, BC
December 19, 2018 | Posted by: Tania Kalinich
For most first time home buyers, obtaining a mortgage is a crucial part of the purchasing process. However, being approved for a mortgage is often easier said than done. It can be disheartening to f ...
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The Pros And Cons Of Reverse Mortgages in Maple Ridge & Pitt Meadows, BC
November 21, 2018 | Posted by: Tania Kalinich
No matter how carefully you plan, life can put a dent in your retirement funds. A life-altering accident or illness can turn your life upside down. Dipping into your retirement to meet uncovered expen ...
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Five Surefire Ways to Ensure You are ready to Buy a Home as a Recent College Graduate in Maple Ridge & Pitt Meadows, BC
October 3, 2018 | Posted by: Tania Kalinich
If you are a recent college graduate, you might think that buying a home is still many years off, but that's not necessarily the case. If you dream of homeownership, even as a young adult, there may b ...
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House Flipping 101: How to Prevent Injuries During Demolition Days in Maple Ridge & Pitt Meadows, BC
July 18, 2018 | Posted by: Tania Kalinich
Demolition days are a major perk for those engaging in house flipping. You get to smash kitchens, bathrooms, bedrooms, and living rooms to smithereens as you demolish the interior of the home you're ...
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Planning to Refinance Your Mortgage in Maple Ridge & Pitt Meadows, BC? Ask These 4 Questions First
April 4, 2018 | Posted by: Tania Kalinich
Deciding to refinance is a crucial financial move that can help you make significant savings. When you plan properly, do your research, and take time to evaluate where you stand financially, you'll be ...
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Looking to Invest in Maple Ridge or Pitt Meadows, BC? Pay Down Your Mortgage Instead
January 18, 2018 | Posted by: Tania Kalinich
With all the gloomy news about pension plans in the press you may be worrying whether you should actually be investing in a pension plan or not. A new wave of thinking suggests possibly not. There may ...
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Home Buying 101 - Why the Relationship with Your Maple Ridge, Pitt Meadows and Coquitlam Broker Should Be a Positive Partnership
May 3, 2017 | Posted by: Tania Kalinich
Whether you are looking for your first Maple Ridge, Pitt Meadows, or Coquitlam home or moving up to the home of your dreams, having an experienced real estate broker or agent in your corner is a must. ...
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Getting Your Whole Family on Board When Selling Your Maple Ridge and Pitt Meadows, BC Home
April 19, 2017 | Posted by: Tania Kalinich
If you are selling your Maple Ridge and Pitt Meadows home, this can be a challenge when you are in charge of getting your family on board as well. Selling a home with kids has its own challenges, but ...
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Buying a Maple Ridge, BC Home, Step One: Mortgage Pre-Approval
April 7, 2017 | Posted by: Roar Solutions
Whether you're looking to buy your first home, or haven't purchased a home in the past several years, you may be surprised to discover that searching your local real estate listings is not always the ...
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Why Remortgage Your Maple Ridge Home? 4 Excellent Reasons to Consider Refinancing
March 7, 2017 | Posted by: Roar Solutions
Your Maple Ridge home is probably the most significant purchase you'll ever make, yet it's surprising how many people simply continue paying their mortgage every month without thinking too much abou ...
read moreHow to Use Debt Consolidation Loans Effectively and Safely in Maple Ridge & Pitt Meadows, B.C.
January 11, 2017 | Posted by: Tania Kalinich
Visit almost any financial site on the web, or watch nearly any daytime TV channel, and you're likely to see advertisements promising that a consolidation loan can solve all your debt problems. There' ...
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BC Home Owner Mortgage and Equity (HOME) Partnership program
January 5, 2017 | Posted by: Tania Kalinich
As you may have heard, on December 15, 2016, the BC government announced a new initiative to assist eligible first-time homebuyers. The BC Home Owner Mortgage and Equity (HOME) Partnership program pro ...
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Should You Borrow Money to Invest in Maple Ridge & Pitt Meadows Real Estate?
December 23, 2016 | Posted by: Tania Kalinich
There's no disputing that real estate investment in Maple Ridge & Pitt Meadows, B.C. is one of the best business models for those looking to achieve long-term financial success. The one problem mo ...
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How Much can You Afford in Maple Ridge and Pitt Meadows With the New Mortgage Rules
October 27, 2016 | Posted by: Tania Kalinich
How much will the new Mortgage Rule affect you? You have heard in the media over and over the Government of Canada recently changed the qualifications for Canadians buying homes with less th ...
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Buying a home in Maple Ridge? Mortgage Pre Approval's & what you need to know...
October 26, 2016 | Posted by: Tania Kalinich
Pitt Meadows Mortgage Pre-Approval and Mortgage Pre-Qualification When you begin the process of buying your first Pitt Meadows home, there are many things to consider. Not only do you have to find ...
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Mortgage Broker Or Your Bank?
August 21, 2016 | Posted by: Tania Kalinich
Here is an assessment of mortgage broker vs. your bank. - A bank has several financial products. Mortgage brokers generally specialize in home loans. The loan officer at a bank or even your rel ...
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New To Canada & Looking For A Mortgage in Maple Ridge or Pitt Meadows?
July 20, 2016 | Posted by: Tania Kalinich
If you are new to Canada, then you will not have an easy time getting a mortgage. As an immigrant, you would not have a work history or a recorded credit history in the country. Those two are the most ...
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Should You Spend the Full Mortgage Amount You're Approved For?
June 20, 2016 | Posted by: Tania Kalinich
Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for may not ...
read moreTake Advantage of Low Interest Rates – Refinance Your Mortgage Today!
June 19, 2016 | Posted by: Tania Kalinich
Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more. If you bought your home more than a few years ago, you could probably benefit from a refinance ...
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