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New Qualifying Rules

Posted by Pam Peters / Oct - 19 - 2016 / Mortgages / 0 Comment

As of October 17, 2016, all new mortgages that are high ratio (less than 20% down) will have to qualify using a stress test rate. That rate is called a bench mark rate (currently today it is 4.64%). Clients will still receive the lowest discounted rate however they now have

What is the advantage of working with a mortgage broker?

Posted by Pam Peters / Feb - 6 - 2014 / Mortgages / 0 Comment

We are asked this question a great deal and believe that there are a number of advantages to using a broker rather than dealing with a branch of your current financial institution. As a mortgage broker we deal exclusively with mortgage financing, working in this area exclusively makes us very

What happens after you make an offer on a home?

Posted by Pam Peters / Dec - 22 - 2013 / Mortgages / 0 Comment

From start to finish, here are 10 simple steps to follow in order to buy your home through us: Well, first you should call us right away! 780-436-0390 Have your real estate agent send us a copy of the offer to purchase and feature sheet, or let us know who