Contact Us Table of Contents 5 C’s of Credit: How to Become Credit Worthy? What are the 5 c’s of credit? Character Capacity Capital Collateral Conditions What do they mean, and what are potential lenders looking for? Character: The reputation of the Buyer or Borrower. We can check your reputation by pulling your credit bureau such as Equifax or transition. By...
Continue reading
Contact Us Table of Contents How To Get A Mortgage? Step By Step Instructions On Real Estate Financing Step 1. Contact your mortgage broker or me! 780-278-4847 We will have an initial conversation about your mortgage goals and I will get an understanding of what you require. Step 2. I will text or email you a mortgage application to fill out...
Continue reading
Contact Us Table of Contents How to Repair your Equifax Credit Report Why Repair your Equifax Credit Report? You will want to repair your Equifax credit report in order to get good credit. If there are errors to your report, you can fix this in just a few steps. Further to this, if you do have bad reporting, this can also...
Continue reading
Contact Us Table of Contents Should I Cosign A Loan? What Can Go Wrong? Who Can Cosign On A Mortgage Loan? Anyone can cosign for another person. It does make you fully responsible for the loan. When you cosign for a mortgage, the mortgage loan is registered on your credit bureau and the other owners credit bureau A person should only...
Continue reading
Contact Us Table of Contents How To Repair Your TransUnion Credit Report Why repair your TransUnion credit report? You will want to repair your TransUnion credit report in order to get good credit. If there are errors to your report, you can fix it in just a few steps. Further to this, if you do have bad reporting, this can also...
Continue reading
Table of Contents Step By Step Guide Of Buying A Home Step By Step Instructions On How To Buy A Home Early Stage 1 At this stage you are shopping around on Realtor.com, realtor.ca, Zillow or one of the other multiple listing services. You do not have a realtor yet and are not yet serious. Early Stage 2 You see something...
Continue reading
Table of Contents Filipino Mortgage Tips Tips & Tricks For Filipinos Trying To Get A Mortgage What is a Paluwagan? A Paluwagan is a money saving system groups of people (usually Filipinos) use to save money for down payment on houses or vehicles. How Does A Paluwagan Work? Multiple people contribute a set amount of money into an account every month,...
Continue reading
Table of Contents 11 Things to look for when choosing a New Home Builder Tips & Warnings Why Choose A Home Builder? One major factor of choosing a home builder is so that they can take the responsibility of building the home until you pay them. In most cases, you will share your desire or view a show home and the...
Continue reading
Table of Contents Purchase Plus Improvement Mortgage | How to Get Money From The bank to renovate a property? What is The Purchase Plus Improvements Mortgage? It is a mortgage program that allows you to borrow the cost of a renovation with your mortgage. You can add the renovation cost to your mortgage amount with proof the renovation was complete. Normally...
Continue reading
Understanding the First Time Home Buyers Incentive The First Time Home Buyers Incentive, an initiative under Canada’s National Housing Strategy, is a crucial program aimed at easing the financial burden for first-time homebuyers. With skyrocketing housing prices across major cities like Toronto, Vancouver, and Victoria, many aspiring homeowners find it increasingly challenging to gather sufficient funds for a down payment. This...
Continue reading