The Mortgage Gal

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...

Mortgage pre-approval

Sep 4, 2017 / 11:00 am

Before you venture out to look at houses for sale, it is a good idea to meet with your mortgage specialist to complete an application and find out how much you...

Know Your ABCs

Aug 21, 2017 / 11:00 am

Know your ABCs — of mortgage lenders that is. Trying to navigate the mortgage world can seem like a daunting task. The up-side of having so many choices...

Have a plan

Aug 7, 2017 / 11:00 am

Setting Yourself up for mortgage success I had an interesting conversation with clients about my last article Are you mortgage ready? We chatted about living...

Are you mortgage ready?

Jul 24, 2017 / 11:00 am

By Tracy Head Just because the numbers say you qualify to carry a mortgage, it doesn’t mean you're ready. If you are thinking about getting in to the...

Down-payment options

Jul 10, 2017 / 11:00 am

By Tracy Head If you are paying rent in the Okanagan (often higher than a mortgage payment), it is almost impossible to save for a home. So how do you come up...

Things to think about

Jun 12, 2017 / 11:00 am

What You Should Think About When Financing Your Home If you’re like most Canadians, your home is probably the most important investment you’ll ever...

New rules hurt bottom line

May 29, 2017 / 11:00 am

New Consumer Advocacy Campaign Announced (continued) On April 25, Mortgage Professionals Canada launched a new consumer advocacy campaign including a website...

Mortgage pros fight Ottawa

May 15, 2017 / 11:00 am

New Consumer Advocacy Campaign Announced The Mortgage Professionals Canada launched a new consumer advocacy campaign including a website, www.tellyourmp.ca, on...

Should you buy or rent?

May 1, 2017 / 11:00 am

Should You Buy a Home or Keep on Renting? Buying a home is one of the biggest emotional and financial decisions you’ll ever make, so prepare yourself to...

Rebuilding bad credit rating

Apr 17, 2017 / 11:00 am

What You Can Do if Your Credit Takes a Beating Sometimes bad things happen to good people. Credit problems can be caused by many events. I have had clients who...

Should you renovate?

Apr 3, 2017 / 11:00 am

Buying a home is one of the largest investments we will make and we often ponder whether to sell our home and upgrade or if we should renovate instead. Buying...