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The Mortgage Gal

An ah-ha moment

Jun 11, 2018 / 3:00 pm

I’ve had two conversations with friends during the last week about what exactly a mortgage brokers does. Because I am a mortgage broker and immersed in...

Mortgaging through divorce

May 28, 2018 / 3:00 pm

Divorce sucks. This week I met with five clients who are separating. This was unusual for me; it’s been a while since I’ve worked with clients who...

2nd mortgage helps sleep

May 14, 2018 / 3:00 pm

One of my clients just had her first decent sleep in two years. In my last column, I wrote about her. She just popped into the office to tell me that her second...

Buying a strata property

Apr 30, 2018 / 3:00 pm

When you write an offer to buy a home, life seems to go into fast forward mode. Between negotiating the offer, having your financing approved, co-ordinating and...

Be ready when life happens

Apr 16, 2018 / 11:00 am

“I wish I’d known about these options a year ago. I went to my bank and they said there was nothing I could do, that I should just sell my car or...

Spec tax not right fit

Apr 2, 2018 / 3:00 pm

Since the B.C. government tax re-defined the areas affected by the Speculation Tax, I have been concerned about the impact it will have on our housing market...

Five Cs of Credit

Mar 19, 2018 / 11:00 am

If you’ve never owned a home, figuring out where to start can feel a little overwhelming. Over the last week I’ve talked with two couples who have...

Creating your dream home

Mar 5, 2018 / 11:00 am

Having troubles finding your dream home? Are the houses in your price range looking a little dated? If you find a home in your preferred neighbourhood that has...

Home-buying basics

Feb 19, 2018 / 11:00 am

Mortgage pre-qualification – more important than ever As we head into the spring market, I think it’s important to revisit the basics of the...

The best rate is...

Feb 5, 2018 / 11:00 am

“What’s your best rate? I saw on-line that I can get 2.89 per cent for five years.” Many times this is the first question clients open with....

New rules in effect

Jan 22, 2018 / 1:00 pm

And so it begins. I attended the Penticton Chamber of Commerce Town Hall meeting on Wednesday where MP Dan Albas was the keynote speaker. Topics were the recent...

Mortgages and assessments

Jan 8, 2018 / 11:00 am

Assessment versus mortgage rules For the past 2 1/2 months the focus has been on upcoming mortgage rule changes, and how these changes will affect clients. ...

Holiday traditions

Dec 25, 2017 / 11:00 am

While shoveling my driveway for the third time in one day, I spent some time thinking. Quite a bit of time actually. It’s a double-wide driveway and we...

Your mortgage team

Dec 11, 2017 / 11:00 am

Buying a home can be both exciting and overwhelming. One of the best things you can do is to surround yourself with reputable professionals you trust. Key...

What's on your wish list?

Nov 27, 2017 / 11:00 am

In a previous column, I talked about the importance of knowing how much you are qualified to borrow. The next step is being really clear about what type of...

Borrowers frustrated

Nov 13, 2017 / 11:00 am

The sky is falling, the sky is falling …. For many of us, changes to the way we do business tend to instigate a panicked, knee-jerk reaction. In...

Pay your mortgage sooner

Oct 30, 2017 / 6:00 am

By making thoughtful decisions and small changes, you can reduce the amount of interest you pay on your mortgage and pay it off years sooner. Work with your...

Mortgage closing costs

Oct 16, 2017 / 11:00 am

You’ve done your homework: saved your down payment met with your mortgage broker and are pre-approved for a mortgage connected with a reputable...

10 guidelines of financing

Oct 2, 2017 / 11:00 am

You’ve written an offer on a home, and gone through the nail-biting process of being approved for your mortgage. You’ve jumped through hoops and...

Improve your credit score

Sep 18, 2017 / 11:00 am

It can be frustrating to find out that your mortgage application has been affected by a low credit score or potentially incorrect information reporting on your...

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