Tag

first time buyer
Not salaried and not 2 years self employed needs mortgage Earlier this week, a real estate agent asked me to help his self employed buyer qualify for a high ratio mortgage. The challenge here is he has been incorporated only one year, and before that he was salaried in the same line of work. To be...
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Tenant wants to buy the condo he is renting Jordan had been renting a two bedroom condo in Etobicoke for several years, and decided a few months ago he was ready to own. His landlord was interested in selling, so it looked like a perfect storm of circumstances. Jordan came to our office to see if he...
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Properties with rental suites now more affordable Some buyers look specifically for homes with a rental suite, as a way of reducing the cost of home ownership and increasing affordability. Recent rule changes at CMHC have made both these scenarios more possible, and savvy realtors are sharing this information with their clients to help generate...
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Condos are the new starter home A few years ago, mortgage insurers and lenders began to really toughen up their lending guidelines for condos – convinced this particular segment was overheated and over built, and headed for a huge correction. Mortgage brokers and their clients increasingly turned to private mortgages for refinances as the appetite...
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What Type of Mortgage Customer Are You First you considered what type of mortgage is right for you. Now you have to understand what type of mortgage customer you are. For example, are you an AAA client? Or maybe you have a spotty credit history, or you cannot verify all your income. Knowing this in...
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What type of mortgage is right for you Sorry to rain on your parade folks, but there is a lot more to choosing your mortgage than simply hammering your banker into submission and nailing the lowest interest rate possible. Would you choose the cheapest new home on the market, regardless of where it was located?...
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When to buy your first home The sooner you go from being a renter to an owner, the sooner you can begin to increase your personal wealth. This is perhaps the only legitimate, safe way to parlay a relatively small amount of money into an amount many times larger – and tax free to boot! First...
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