22 Jul

Things to consider wehn Buying in a New Development

General

Posted by: Valerie J Cavers

22 Jul 2016 Things to Consider When Buying In a New Development With plenty of activity in the real estate market and more new building slated over the next few years, here is my list of “Things to Consider When Buying in a New Development”. Representation Some buyers attend the display suite and consider a […]

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6 Jul

Top 5 Reasons People Don’t Qualify for a Mortgage

General

Posted by: Valerie J Cavers

3 Nov 2015 Top 5 Reasons People Don’t Qualify for a Mortgage I receive calls every month from people who want to know how to qualify for a mortgage because they were declined by their bank. In many cases I can help them and in some cases they have to wait – but we identify […]

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28 Jun

Building a New Home ? Completion vs. Draw Mortgages

General

Posted by: Valerie J Cavers

Blog Posts News Building a New Home? Completion vs. Draw Mortgages      Just today, chatting with a long time client I get the exciting news they are looking to build a new house for themselves.  I thought perhaps this might be a good time to make this post. If you are considering building a new […]

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23 Jun

How to Maximize Your Cash Flow!

General

Posted by: Valerie J Cavers

How To Maximize Your Cash Flow While Increasing Your Net Worth By Having a Mortgage Plan, by: K Bay, DLC Interest rates are only one of many features that should be looked at when you are applying for a mortgage. But all things being equal, the interest rate may be more important than you think. […]

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20 Jun

Don’t SIMPLY RENEW! See what your Mortgage Agent can do!

General

Posted by: Valerie J Cavers

Don’t Renew!  See what’s available! Everybody wants to save money on their mortgage! A new home buyer is especially diligent when shopping for the best mortgage. They make the effort to: find out the options compare rates and costs compare flexibility This home buyer then moves into their new home and their mortgage can easily […]

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17 Jun

Divorce and What Can Happen with the Mortgage

General

Posted by: Valerie J Cavers

Divorce and What Can Happen With the Mortgage When tough times put stress on families sometimes the end result is divorce. While no one ever wants to see this happen sometimes it is inevitable. Recently, CMHC changed the rules about how much a house can be refinanced for, they have set the limit at 80% […]

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16 Jun

Life Happens, Let Your Home Help

General

Posted by: Valerie J Cavers

Life Happens, Let Your Home Help Sometimes “life happens”, and when it does, your home can be your savior if you have accrued some equity in it. Maybe you’ve been out of work, run up your credit cards and driven your credit rating into the ground. Perhaps, you’ve decided to leave the job you hate […]

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14 Jun

Renovating Your Home

General

Posted by: Valerie J Cavers

 Did you know you can get a mortgage for renovating your home? Many home buyers and existing home owners are deciding to get more bang for their buck by purchasing a home that needs some improvements. Whether you are renovating at the time you buy or waiting for a few years, there are financing options […]

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13 Jun

8 Considerations for the First time Home Buyer

General

Posted by: Valerie J Cavers

  8 Considerations For The First Time Home Buyer 1. Create yourself a Budget and stick to it, so you can keep your finances on track. Planning a budget will help you identify uneconomical expenditures and help you achieve your financial goals. Having a budget can also decrease your stress levels, prepare you for unexpected […]

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9 Jun

Accelerated Bi Weekly vs Bi weekly Payments

General

Posted by: Valerie J Cavers

  Accelerated Bi-Weekly vs. Bi-Weekly Payments When signing your mortgage commitment letter you will have to choose your payment frequency. If your goal is to re-pay your mortgage as quickly as possible, then you need to understand how different payment options will affect your repayment schedule. So what are your options? In general, most lenders […]

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