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Securing Financing

Securing Financing

Understanding and Securing Financing Mortgage Pre-qualification Your mortgage broker has tools to help you in your home search. Before you go house shopping, you want to know how much of a mortgage your income will support, and what affect your current debt load will have on a possible mortgage amount. You can find this out […]

Working with a Mortgage Broker

Working with a Mortgage Broker

Working with a Mortgage Broker Most buyers need at least some financing (a mortgage) to purchase a home. The two most common sources of a mortgage are directly through a bank or through a mortgage broker. Typically, banks only offer their own mortgage products while mortgage brokers can source mortgage products from different lenders. Interview […]

Finding Professionals to Work With

Finding Professionals to Work With

Finding Professionals to Work With If you believe you’re financially ready to buy a home, your likely next step is to find the professionals to assist you. In many cases, this will be a mortgage professional (a bank employee or a licensed mortgage broker) and a licensed real estate professional. You want to find professionals […]

Are You Financially Ready to Buy?

Are You Financially Ready to Buy?

Are you Financially Ready to Buy a Home? Are you financially ready to buy a home? Get a sense of your current monthly expenses and think about the following: Consider your down payment: A down payment is the part of the purchase price the buyer pays in cash rather than financing with a mortgage. Buyers […]

July 2018 CREB Stats

July 2018 CREB Stats

  The month of July saw 1,547 units sold in Calgary, nearly five per cent below last year. New listings eased to 2,964 units, causing inventories to total 8,450 units. With more supply than demand, prices continued to edge down, with a citywide average of $435,200. This amounted to a month-over-month price decline of 0.30 […]

8 Mistakes to Avoid During a Home Inspection

8 Mistakes to Avoid During a Home Inspection

It’s easy to get swept up in the excitement of buying a home. Once you’ve had an offer accepted on your dream house, you’ll probably be anxious to move in. However, before you make a significant financial commitment, it’s best to know exactly what you’re buying. When you hire a home inspector, you get a […]

Mortgage Broker vs Bank Lending

Mortgage Broker vs Bank Lending

1) What exactly is a mortgage broker? A mortgage Broker is someone who facilitates a mortgage for a customer. They basically underwrite the mortgage for the bank/lender, they assess each individuals lending criteria, and provide them with the knowledge of the term and conditions of their approval. 2) How does a mortgage broker get paid? A mortgage broker […]

Client vs Customer

Client vs Customer

As of July 1, 2014, the Real Estate Council of Alberta required all residential Realtors to use written service agreements with their clients. This not only enhanced consumer protection by outlining the roles and obligations of Realtors, but reduced the potential for conflicts and confusion. So what makes you a client? That often depends on […]