We all love lists – lists boil the essentials of any given topic down to a small number of manageable ideas to wrap our heads around. Thanks to Kyle Prevost for pulling this list together. First figure out what you can afford – the pre-approval Get pre-approved long before you actually think you might want...Read More

Pre-approval for a rental property purchase All realtors want their clients to be pre-approved prior to house hunting, and all buyers should want the same thing. This is true even though there is never, ever a sure thing with pre-approvals – since buyer circumstances can change or maybe the property being purchased will not be...Read More

Mortgage pre-approval today will reduce CMHC premium It’s old news that starting May 01, 2014, if you have less than a 20% down payment, and you are buying a home you will be charged a higher mortgage insurance premium by CMHC , Genworth, and Canada Guaranty. Several clients have asked me if they can get...Read More

Dear Ross, we are looking around for our first home, and we want to know how much mortgage we will qualify for. If we ask for a pre-approval, will you have to check our credit history? Is that a ‘hard inquiry’, and will it reduce our score? Yes, if we do a formal request for...Read More