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The Mortgage Gal

Dealing with last-minute mortgage glitches

Dealing with last-minute mortgage glitches

May 6, 2024 / 11:00 am

Read your mortgage paperwork. I am sharing this situation as a reminder of the importance of reading the fine print. I have been working on a refinance at...

Don't procrastinate when it comes to your finances

Don't procrastinate when it comes to your finances

Apr 22, 2024 / 11:00 am

Recently, I was up with the birds (literally) but really wanted to sleep a bit longer. I decided to listen to a podcast rather than get up. The podcast,...

Importance of getting all the paperwork in order when seeking a mortgage

Importance of getting all the paperwork in order when seeking a mortgage

Apr 8, 2024 / 11:00 am

I’ve written about mortgage documentation in several columns over the years. Last week, I had an interesting call with several of my colleagues about...

Different approaches to property purchase pre-approvals

Different approaches to property purchase pre-approvals

Mar 25, 2024 / 11:00 am

As a mortgage broker, I am able to work with clients all over B.C. I grew up in Mackenzie, a small community in northern B.C., and still have ties to the area....

Creative ways to finance the purchase of a new home

Creative ways to finance the purchase of a new home

Mar 11, 2024 / 11:00 am

One of the things I love about my work is I am able to connect with all types of homebuyers. I am able to support first-time homebuyers as they make the leap...

Helpful changes coming for first time home buyers

Helpful changes coming for first time home buyers

Feb 26, 2024 / 11:00 am

There were several announcements made recently that I am very excited about – changes that will help make it easier for people to afford to buy homes....

When applying for a mortgage be prepared

When applying for a mortgage be prepared

Feb 12, 2024 / 11:00 am

“Why do they need that? It wasn’t like this the last time I bought a house”. One of the common frustrations shared by mortgage applicants is...

When renewing your mortgage, know your options

When renewing your mortgage, know your options

Jan 29, 2024 / 11:00 am

It feels like I’m harping on the subject of mortgage renewals, and that may well be the case. Many of my conversations with clients right now are deep...

Finding the right lender to fit your mortgage needs

Finding the right lender to fit your mortgage needs

Jan 15, 2024 / 11:00 am

Choosing the right lender is more important than ever. Last week, I had a client ask why I chose a particular lender for them. It was a great question, so I...

Time to review your mortgage

Time to review your mortgage

Jan 1, 2024 / 4:00 am

During the week between Christmas and New Year’s Day, I spent time reflecting on my past year and did my planning for the upcoming year. That included a...

Things to remember if planning to seek a mortgage

Things to remember if planning to seek a mortgage

Dec 18, 2023 / 11:00 am

As we move into the busiest part of the holiday season, mortgages are the last thing on most peoples’ minds. I’ve been working on a home purchase...

How does your lender deal with mortgage rate drops?

How does your lender deal with mortgage rate drops?

Dec 4, 2023 / 11:00 am

Usually when I write my column, I share stories of what not to do with respect to your financing. Today is a little different. This week, I have had the...

If your mortgage renewal is coming up, look at options now

If your mortgage renewal is coming up, look at options now

Nov 20, 2023 / 11:00 am

A significant percentage of Canadian mortgages are coming up for renewal in 2024. Considering the low mortgage rates we’ve enjoyed for the last few years,...

Grants available when buying or retrofitting an eco-friendly home

Grants available when buying or retrofitting an eco-friendly home

Nov 6, 2023 / 11:00 am

Recently I attended a CMHC learning session about the enhancements to its Eco Plus program and the rollout of its Eco Improvements program. If you purchase a...

What to know about your mortgage advisor

What to know about your mortgage advisor

Oct 9, 2023 / 11:00 am

I received a call from one of my favourite realtors a few weeks ago asking if I could help her clients. She told me the clients started with another broker but...

The ins and outs of mortgage insurance

The ins and outs of mortgage insurance

Sep 25, 2023 / 11:00 am

First off, some happy news. It sounds like insurance companies are back to offering home insurance policies in our area. This is still on a case-by-case basis...

Mortgage renewal 'sticker shock' prompting difficult decisions

Mortgage renewal 'sticker shock' prompting difficult decisions

Sep 11, 2023 / 11:00 am

Currently, I am fielding a high number of calls from people looking for information about mortgage renewal options. In 2016, when the mortgage “stress...

The impact of wildfire on mortgages

The impact of wildfire on mortgages

Aug 28, 2023 / 11:00 am

This week it feels like almost every conversation starts with a question and answer and fire update. I am very fortunate in that my family lives just outside of...

Challenging times in the world of mortgages

Challenging times in the world of mortgages

Aug 14, 2023 / 11:00 am

Sometimes, when I sit down to write my column, I struggle to find a topic that I’d like to write about. Other times, like today, I have a clear idea of...

Plan on getting into the housing market? Consider an FHSA

Plan on getting into the housing market? Consider an FHSA

Jul 31, 2023 / 11:00 am

Whether it is your first or subsequent venture into the housing market, it will likely look a bit different than it did even a few years ago. Rising interest...

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