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Once my clients are pre-approved, and we've determined how much they can borrow based on their yearly earnings I ask the most important question in the mortgage process - "How much money are you comfortable spending per month on your mortgage payments". Who cares what...

Of all the things you can learn about money –the rule of 72 should be at the top of your list. The Rule of 72 is a shortcut to estimate the number of years required to double your money at a given annual rate of return. The...

Banks and Lenders growing concern about fraud has caused lending institutions to make their regulations on documentation for mortgage approval much more strict. At the beginning of the mortgage approval process, your mortgage broker will request documents from you, which show proof of your income, down payment and...

It seems all too often that people are telling me about their credit score, and from what I've heard, one will either brag about how incredibleit is, or how horrible it is. For the people with great credit scores, congratulations, and keep it up, but unfortunately...

The first step to many when looking for a property is to go to their Bank or BROKER, and ask for a pre-approval. A pre-approval lets the buyer know how much he or she would be approved for by a Bank or lender based on their...

It's funny anytime you bring up real estate prices with your parents, and they tell you they bought their first home for $150,000 20 years ago. And look at them now.  Yes, it's true, homes are expensive, but the silver lining is that mortgage rates are at...

As of February 22nd, 2017 the land transfers tax exception increased its limit from $475,000 to $500,000 for First Time Home Buyers. I'm going to be honest, as much as this makes a great head headline on the front page of The Province, I question it's effectiveness....

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