The mortgage approval process can be overwhelming for first-time home buyers, especially if you are not familiar with the process. Understanding what to expect during the mortgage approval process can help you better prepare for the process and increase your chances of getting approved for...
Putting YOUR Interest First! We are living in challenging times. My goal is to make your mortgage financing process as easy and as thorough as possible. Whether you are buying a new home, refinancing your existing home, or considering an investment property, I can help. Communication...
Shopping around for a mortgage is an important step in the process of buying a home in Canada. With so many different lenders offering a wide range of mortgage products and terms, it's important to take the time to compare your options in order to...
The Home Buyers' Plan (HBP) is a program offered by the Government of Canada that allows first-time home buyers to use their Registered Retirement Savings Plan (RRSP) to help fund the down payment on their home. The HBP is designed to help make home ownership...
If you are planning on applying for a mortgage, one of the most important factors that lenders will consider is your credit score. Your credit score is a numerical representation of your creditworthiness, and it is used by lenders to determine your risk as a...
Conventional mortgages are one of the most popular types of home loans available today. They are typically used by borrowers who have good credit and a steady income. But one of the most important factors in getting approved for a conventional mortgage is the downpayment,...
When it comes to choosing a mortgage, one of the first decisions you will need to make is whether to go with a fixed-rate mortgage or a variable-rate mortgage. Both types of mortgages have their own unique set of pros and cons, and it's important...
When it comes to buying a home, there is a big difference between working with a mortgage broker and a bank advisor. While both may offer similar services, the benefits of working with a mortgage broker are very important when it comes to getting the...
Buying a home for the first time can be an exciting and overwhelming experience. There are many factors to consider, from finding the right location and type of property to securing a mortgage and navigating the legal process. As a first-time home buyer in Canada,...
Moving to a new country is an exciting experience, but it can also present a number of financial challenges. One of the most daunting tasks for newcomers to Canada is obtaining a mortgage. It can be difficult to navigate the system and understand the different...
Shopping for a construction loan can be an overwhelming process, especially if you don't know the ins and outs of the process. Construction loans are unique in that they are short-term loans used to finance the building of a home or other structure. As such,...
Are you considering taking out a second mortgage? If so, you’re not alone. Taking out a second mortgage has become increasingly popular in recent years as more and more homeowners look for ways to use their home’s equity to their advantage. From debt consolidation to...
Walk in as a client, come out as a homeowner! Keeping it real (estate) since 2003! Since then, I’ve funded over $275 million in mortgages and counting. While I always love connecting with new clients, most of my business comes from referral and repeat clients, and...
A home is likely one of the most expensive purchases you will make in your lifetime and understanding the process of financing it is essential. One of the key factors in the financing process is the down payment, which is the amount of money that...
Hey, I’m Josh ? Relationships matter most, and through my 13+ years of mortgage brokering, I have been able to apply this core principle to help over 600 happy clients find the right mortgage solution for their unique situation. Getting to know each of my clients, their...
Did you know that there are several different types of financing available to real estate investors? If you’re interested in getting started with multifamily properties, you’ll need to find the right kind of financing for your situation and goals. It can be confusing when you...
Unless you’re independently wealthy, buying a home will likely be the largest financial transaction of your life. It’s not surprising, then, that most mortgage applicants feel anxious about meeting lender criteria and qualifying for financing. But with the right information and strategy, even individuals with...
Construction financing is a bit of a catch-22. It can seem unapproachable and inaccessible, especially if you’re new to the game. Developers and non-profits might not have the same access to lenders or investors as larger organizations do, but that doesn’t mean they should be...
The mortgage process can be daunting for any homebuyer. But it’s even more complicated if you’re a newcomer to Canada. In addition to all the usual considerations like interest rates and amortization periods, new Canadians might also need to research whether they qualify for government-backed...
When buying a new home, you’ll want to check for red flags that could indicate future problems. Your inspection is critical to finding anything that might be hidden or overlooked by less diligent buyers. However, with new technologies and home design strategies being used more...
You’re super excited to move into a new home, but it comes with a catch. You need to pack up your old home and move into the new one in only a few days. So much for that plan of slowly moving things over time....
When buying a home, the process can seem overwhelming with so many details to keep track of. Putting your trust in an agent can be scary, but they are there to help you navigate the process and find the home of your dreams. A real...
5 Ways to Increase Your Property Value When you buy a home, one of your primary goals is to make equity in that property and sell it for more than you bought it for someday. However, not everyone who buys a home does so with that...
Should You Renovate or Relocate Your Home? What To Consider Before Making a Decision! Do you feel like your house has lost its charm and looks old and outdated? If so, it’s time to consider either renovating your home or finding a new place to live....
The Debate: Live in the Suburbs or Live in the City? When it comes to the suburbs vs. city debate, the two are like night and day. The suburbs are typically quiet with wide streets and plenty of green space, while the city is busy with...
History 101: Ottawa - A Quick Guide to the History of Canada's Capital City From its humble beginnings as a frontier settlement to its role as the nation’s capital, Ottawa has come a long way. The city has grown from 10,000 residents in 1900 to well...
Tips to Prepare and Maintain your Patio for Winter Keeping your patio ready for the cooler months isn’t as simple as switching on the heater and adding a coat. In fact, with all the prep that goes into maintaining your outdoor space, you might question why...
What Does Ottawa Ontario Have to Offer? A Look Into The Capital of Canada Ottawa is the capital city of Canada, and home to national landmarks such as Parliament Hill, the National War Memorial and museums like the Canadian Museum of History. It’s also a great...
The Benefits of Moving to Ottawa: A City You'll Never Want to Leave The capital city of Canada is bustling with activities, sights, and sounds that are sure to take your breath away. It’s also a place where you can pursue your career, make friends for...
A Guide to Ottawa Tourism: Where to Stay and What to Do Discover the best things to see and do in Ottawa. This guide will give you insider information on planning your trip, where to stay, what to eat and the top sights and activities. If...