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Red Deer Mortgage Brokers Blog Articles

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  • Sep 17, 2018
  • Brandi

Great Mortgage News for Self Employed Business Owners!

Great News if You’re Self Employed! Canada Mortgage and Housing Corporation (CMHC) is making it easier for self-employed Canadians to qualify for a mortgage – as of October 1st, 2018 – by providing lenders with more guidance and. . .

  • Sep 07, 2018
  • Brandi

Why Do I Need a Lawyer When Getting a Mortgage?

Why Do I Need a Lawyer When Getting a Mortgage? Since buying a home is among the largest financial investments you’ll make throughout your lifetime, it’s important that the proper financing process is followed and you fully understand. . .

  • Aug 16, 2018
  • Brandi

What You Need to Know When Buying a Vacation Property

What You Need to Know When Buying a Vacation Property You’ve dreamed, saved and planned, and it’s finally time to buy a cottage or vacation home! Now is a really good time. Although mortgage rates have risen slightly, they still remain on. . .

  • Aug 16, 2018
  • Brandi

What are Dower Rights?

How Do Dower Rights Affect Property Title or Mortgages? Dower rights are enforced through the Dower Act to protect the spouse of a registered property owner by requiring the spouse who’s not on title to consent to any disposition of. . .

  • Jul 17, 2018
  • Brandi

What is a Collateral Charge Mortgage?

What’s a Collateral Charge Mortgage? With several lenders today offering collateral charge mortgages, it’s important to understand the differences between a collateral and a standard charge mortgage before signing your mortgage. . .

  • Jul 03, 2018
  • Brandi

What are Closing Costs?

What Are Closing Costs? Closing costs include all legal and administrative expenses you’ll be responsible for paying on, or leading up to, your home’s closing date. It’s important to include these costs in your budget because, in most. . .

  • Jun 15, 2018
  • Brandi

Here is a Simple Way to Stress Test Your Mortgage

Here’s a Simple Way to Stress Test Your Mortgage Chances are, you’ve heard the phrase “stress test” enough for a lifetime, as it’s certainly popular these days when it comes to mortgage qualification. Unfortunately, stress. . .

  • Jun 04, 2018
  • Brandi

Top 6 Things for First Time Home Buyers Pre-Approval

So your expert Realtor set you up on a home search, you have been scouring all the bright new listings and all of a sudden - there it is - the property that makes your palms sweat and your pulse race! Finally - a place you can call your OWN! So what. . .

  • May 22, 2018
  • Brandi

What Could You Do with an Extra 8000 Dollars?

Check Out Record-Low Variable Rates! Hands down, the most common mortgage product option for Canadians is the five-year fixed rate. But, it’s not the most cost-effective – especially right now. And it certainly doesn’t make sense. . .

  • Apr 25, 2018
  • Brandi

Do You Know How Your Mortgage Broker is Paid?

Do You Know How Mortgage Providers are Paid? When making among the largest financial commitment of your life, it’s important to understand how different types of mortgage providers get paid to ensure your best interests are always front and. . .

  • Apr 10, 2018
  • Brandi

Mortgage Renewals are About to Get Tougher!

Mortgage Renewals are About to Get Even Tougher! There’s been so much talk about mortgage stress testing for the past few months that very few people realize there’s another change at play that will impact mortgage renewals. New. . .

  • Apr 03, 2018
  • Brandi

How is A Mortgage Broker Different than a Bank Rep?

How is a Mortgage Broker Different than a Bank Rep? The banks work extra hard to try and convince mortgage borrowers that their mobile mortgage specialists can provide the same products and services as licensed mortgage brokers. But, in. . .

  • Mar 22, 2018
  • Brandi

Which Payment Frequency is Best?

Which Mortgage Repayment Frequency is Best? The schedule you choose for your mortgage repayment can have a significant impact on the amount of money you put towards your principal balance. The more you can take off the top of your principal. . .

  • Feb 26, 2018
  • Brandi

Why Do Lenders Request Appraisals?

Why Do Lenders Request Appraisals? When asking for an appraisal, lenders are seeking an unbiased expert opinion on the value of the home you’re interested in purchasing – or the property you already own, depending on whether you’re. . .

  • Feb 06, 2018
  • Brandi

Thinking of Buying in the Spring?

Thinking of Buying in the Spring? Start Preparing Now! Are you thinking of purchasing property in 2018? Whether you’re looking to buy your very first home, upgrade to a new home or purchase an investment property, being prepared before the. . .

  • Jan 30, 2018
  • Brandi

Buying Your First Home?

Get Preapproved Before Home Shopping A preapproval will help you understand your homebuying budget before looking at real estate in Red Deer. Steps to follow: Contact your Red Deer mortgage broker – Your mortgage broker will walk. . .

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