Each Office Independently Owned & Operated
Posted by: Jenni MacDonald
When it comes to shopping for your perfect home, it can be hard to find the exact one ready to go! If you are looking into a home that requires improvements, there is a mortgage product known as Purchase Plus Improvements (PPI). This type of mortgage is available to assist buyers with making simple upgrades, […]
Read MorePosted by: Jenni MacDonald
For most people, it’s a habit to go to your bank to get a mortgage. However, it’s not always your best option. I recommend going to a Mortgage Broker, obviously because I am one. But let me give you six reasons why it’s probably a better option for you. Mortgage Brokers Study Mortgages. That’s it! […]
Read MorePosted by: Jenni MacDonald
Many people go through challenges in life that affect their finances. Whether it’s divorce, job loss, or health issues it is hard to get your finances sorted out and back on track. Too often, people wait YEARS to confront their debts and are then overwhelmed and not sure where to go for help. If a […]
Read MorePosted by: Jenni MacDonald
The Cornwall and Area real estate market has been hot for over 10 months now and by the looks of the current trend, it will just get hotter for the spring market. Prices are increasing at an unprecedented rate. If you are getting ready to purchase your first home, there are some basic steps that […]
Read MorePosted by: Jenni MacDonald
The holidays are a very joyful time of year. However, it can also become an expensive time of year. If you’re looking for extra funds to get you back on track, or to even help financially during these challenging COVID times. Maybe a home refinance is right for you. HOW MUCH CAN I GET? Whether […]
Read MorePosted by: Jenni MacDonald
The Equifax Credit Score uses a numerical range of 280 to 900, where higher scores indicate lower credit risk. Banks will want clients to be at a score of 700 or higher!! While no one knows the exact formula (except the inventor, Fair Isaac Corporation), Beacon scores are roughly based on: Here are a few […]
Read MorePosted by: Jenni MacDonald
Many people go through challenges in life that affect their finances. Whether it’s divorce, job loss, health issues, or a worldwide pandemic, it can be difficult to get your finances sorted out and back on track. Too often, people wait YEARS to confront their debts and are then overwhelmed and not sure where to go […]
Read MorePosted by: Jenni MacDonald
As you may have heard, the Bank of Canada recently changed the stress test rules as of June 1, 2021. With these changes, now both insured and uninsured mortgage borrowers will be subject to a stricter stress test when qualifying for their mortgage. The new qualifying rate on uninsured mortgages – where the down payment […]
Read MorePosted by: Jenni MacDonald
YOUR CREDIT SCORE IS YOUR POWER WHEN APPLYING FOR A MORTGAGE With all the recent mortgage changes, your credit score is more important than ever. Most Lenders rely on the “Equifax” score. Equifax calculates a credit “risk” score out of a maximum score of 900. A score of 700 or higher is considered an excellent […]
Read MorePosted by: Jenni MacDonald
The Cornwall and Area real estate market has been hot for over 10 months now and by the looks of the current trend, it will just get hotter for the spring market. Prices are increasing at an unprecedented rate. Whether you are getting ready to purchase your first home or considering selling your current house […]
Read More