If you’re seeking a mortgage, but your application doesn’t fit into the box of the big traditional institutions, you’ll find yourself in what’s commonly referred to in the industry as the “Alternative-A” or “B” lending space.These lenders come in three classifications: Alt A lenders consist of banks, trust companies, and monoline lenders. These are large institutional […]

  Summer is the time to get outside and enjoy your yard. To help you make the most of your space, I have broken down some of the top yard appeal ideas with the biggest ROI giving you the most bang for your buck and increasing your home’s equity and curb appeal at the same […]

With the continued rise of inflation, interest rates and the overall cost of living, the uncertainty can be unnerving for many individuals. But don’t fret! We have some tips and suggestions to help you manage your financial stress and help you to power through these latest economic changes: Prioritize What You Can Control: It can be […]

      Fall in love with your home and your workspace again with these tips to help you make your home office space more productive! Establish Boundaries: A key component of being more productive at home is to establish proper boundaries between work and personal life. While not all of us at home have space […]

  Your mortgage amortization period is the number of years it will take you to pay off your mortgage. Depending on your choice of amortization period, it will affect how quickly you become mortgage-free as well as how much interest you pay over the lifetime of your mortgage (a longer lifetime equals more interest, whereas […]

  Your payment schedule is the frequency that you make mortgage payments and ranges from monthly to bi-monthly, bi-weekly, accelerated bi-weekly or even weekly payments. Below is a quick overview of what each of these payment frequencies mean:Monthly Payments: A monthly payment is simply a single large payment, paid once per month; this is the default […]

They say the kitchen is the heart of every home, and what better way to treat this important space than by ensuring you have all the right materials?When it comes to your kitchen, there are a variety of options for cupboards, appliances, and countertops. What you may not realize, is how much you actually utilize […]

  Whether you’re jetting off to sunshine and warm sand, an international adventure, or a weekend getaway, before you go there are a few things you can do to protect your home while you’re away! Unplug all electronics and appliances: To reduce energy costs while you are traveling (and mitigate any risk of unexpected fires), it […]

  As Canadians approach their retirement years, many are exploring the potential of the CHIP Reverse Mortgage solution to allow them to enjoy the retirement they’ve worked so hard for. Many retirees face financial challenges with lower Canada Pension Plan payments, diminished or non-existent company pensions, inadequate retirement savings, and the ever-rising cost of living. […]

  Get to know the important basics before you choose your mortgage.You have to be sure you select what is most important to you – lower rates or flexibility. Before you choose a mortgage, take some time to study mortgage types: Closed Mortgage: If you want consistency with respect to rates and the length of your […]