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Mortgage Blog

Submitting Documentation in to your Calgary Mortgage Broker

November 1st, 2011    •  by Ryan    •   No Comments »
Submitting Documentation in to your Calgary Mortgage Broker

With the last couple of mortgages I’ve helped people with, I ran into a problem where the supporting documentation they or their realtors sent me via fax was illegible. What followed was a lot of unnecessary back and forth, which ended up costing everyone nothing other than time. This happens every now and then but ......

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Renewing with your Bank… Are You Really Getting Their Best Mortgage Rate?

October 19th, 2011    •  by Ryan    •   No Comments »
Renewing with your Bank… Are You Really Getting Their Best Mortgage Rate?

I recently had a client who had been an RBC customer for over 40 years and has had a mortgage with them in one capacity or another for the last 30. He called me absolutely fuming, upset that he had discovered that his bank hadn’t offered him their best rate when his renewal came up. ......

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Moving Back to Calgary from the US – Things to Know

July 13th, 2011    •  by Ryan    •   No Comments »
Moving Back to Calgary from the US – Things to Know

I’ve recently had clients who moved back to Canada after having spent time living and working in the US. Although the process of obtaining a Canadian mortgage increases in complexity in these cases, an experienced Calgary mortgage broker should be able facilitate a smooth transition back. Here are some of the topics that need further ......

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Calgary First Time Home Buyers – 5 Ways to Prepare for a Calgary Mortgage

June 22nd, 2011    •  by Ryan    •   No Comments »
Calgary First Time Home Buyers – 5 Ways to Prepare for a Calgary Mortgage

Recently, a friend approached me and asked what type of preparation is necessary prior to purchasing a home. He didn’t have a definitive timeline in mind but wanted to know how he could prepare himself so that when the time came, he’d be ready. This inquiry along with several other similar ones I received from ......

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Supporting Documentation for a Calgary Mortgage Application

May 17th, 2011    •  by Ryan    •   No Comments »
Supporting Documentation for a Calgary Mortgage Application

One possible cause of undue stress during the buying process can occur immediately following the signed offer to purchase agreement between the Calgary home buyer and realtor. At that point, the buyer has about 5 business days to obtain financial approval from a lender in order to meet the condition in the offer to purchase ......

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ING 120-Day Calgary Mortgage Rate Holds

May 2nd, 2011    •  by Ryan    •   No Comments »
ING 120-Day Calgary Mortgage Rate Holds

Long-term and easy to obtain low mortgage rate holds. This is something we rarely see from most lenders and major banks. For clients, this is a great option when considering applying for a mortgage rate hold here in Calgary. I wouldn’t even necessarily call it “applying” since very little information is required by your Calgary ......

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Calgary First Time Home Buyers – A Summary of The Process

April 18th, 2011    •  by Ryan    •   No Comments »
Calgary First Time Home Buyers – A Summary of The Process

Buying your first home in Calgary can seem a little overwhelming. But like eating sushi with a couple of toothpicks, there’s really nothing to it once you figure it out. In most cases, first time home buyers aren’t sure where to begin. Should you start by contacting a realtor? Should you go to a bank ......

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Calgary First Time Home Buyers – Buying for the Right Reasons

April 14th, 2011    •  by Ryan    •   No Comments »
Calgary First Time Home Buyers – Buying for the Right Reasons

Home ownership is a larger responsibility than most first-time home buyers think so it’s important to outline some of the special considerations that should be made prior to buying your first home. First, you may have heard that if you’re renting, you’re throwing away money every month. I’m here to tell you that that’s not ......

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Taking Time for Yourself

April 11th, 2011    •  by Ryan    •   No Comments »
Taking Time for Yourself

It’s easy for a Calgary mortgage broker (or anyone else for that matter) to get caught up with their work and find little time for anything else. That’s why I believe that it’s important to always try to set some time aside for side projects, regardless of how small or insignificant they may seem. These ......

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TD Mortgage Rates

April 2nd, 2011    •  by Ryan    •   No Comments »
TD Mortgage Rates

If you bank with TD and are currently considering purchasing a new home or refinancing/renewing your existing mortgage, you’re more than likely looking at TD mortgage rates for your upcoming mortgage needs. As a TD customer, you’re likely to be partial towards the convenience of not having to prepare any additional paperwork and to go ....

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