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The Mortgage Gal

Social media, your mortgage

Sep 17, 2018 / 11:00 am

Theme of the week: provide accurate information to your mortgage broker (or banker). I am fortunate because my clients are very comfortable talking to me....

Pay mortgage off sooner

Sep 3, 2018 / 11:00 am

During the last few weeks, I’ve worked with clients who expect changes to their finances in the next few months. One couple purchased a home and have a...

Know thy neighbour

Aug 20, 2018 / 11:00 am

One night last week, my neighbour and I were wrenching on my daughter’s car. In fairness, mostly he was wrenching and I was handing him tools and learning...

Don't be overwhelmed

Aug 6, 2018 / 2:00 pm

Buying a home is exciting. Trying to make decisions regarding your new mortgage can feel overwhelming. I like to have time to work with my clients before we sit...

Mortgages and fire season

Jul 23, 2018 / 11:00 am

Fire season, much like Christmas, sneaks up on me. Every year. Two messages to share this week, so I will start with the quicker of the two. If you (or someone...

Mortgage papers you'll need

Jul 9, 2018 / 11:00 am

Headline: Having your ducks in a row reduces mortgage approval related stress by 85 per cent Maybe not actually a headline, and the statistic is decidedly...

Flex down mortgages

Jun 25, 2018 / 3:00 pm

“ "How are we expected to save a down payment when the rent we pay is higher than our mortgage payment would be?” Over the last two weeks,...

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...

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