As you read the below, consider that this was written on November 8, 2022. Much of the information contained in this Interest rate update is contingent on the current rates. Co-authored with Roger Lambert with Dominion Lending - 905-464-1211 What the &%#$ is going on with interest rates?   Yes, it’s been a one-way rollercoaster and rates are up, to a new buyer it may seem like the ...Read More

What Happens When Appraisal Values Come Up Short?   For the past two years, appraisal valuations have rarely fallen short. Instead, we routinely saw appraisals coming back at the purchase price—and often higher—due to the national pandemic-induced frenzy for real estate. Since February of this year, the m...Read More

It's no secret that real estate is the key to building wealth, so why are we afraid to dive in and take the plunge? Maybe it's the what if, and the risk factors. Were here to tell you that if properly applied tactics to either an investment portfolio or your principal residence are applied then you can set yourself up for long-term financial success.  Based on some simple calculation...Read More

the secret to eliminating you mortgage faster A mortgage is a big commitment. ?     ? ...Read More

A personal approach to insuring your mortgage Life Insurance vs Mortgage insurance...Which is better         ...Read More

  Each home is different and requires special attention to detail, but when we're investigating and getting to know the property a little bit more here is a list of questions we've found helpful :  We would expect that the sellers and their agent would waive any liability when answering these questions with "not to our knowledge" but these questions are designed to ra...Read More

There is a lot that goes into buying a home, so we find it important not to miss any thoughts or steps when getting you ready to place an offer.  Here is what to expect for placing/preparing an offer:  See the folder for examples of Love letters to let homeowners / agents know more about you... In most cases I recommend dont talk about being in love with the house but more the...Read More

All regular residential real estate offers are comprised of 4 main components:  1. Offer amount - Make sure you are competitive with the offering price. The items below wont matter much if the price isnt right, or within the ball park of other competing offers.  2. Deposit - A deposit herewith is preferred when competing in a bid, this means on the day of the offer you already have...Read More

  As a part of getting preapproved make sure to ask:  Some clients, and even their trusted mortgage professionals may not make the realization that there is a difference between a pre-approval and a  Pre-qualification. As a buyer you will want to make sure that you are getting a pre-approval so that you and your bank are well prepared to move forward with the process.  1. Pr...Read More

If having no home inspection is the only option you may want to visit the home on a showing and go through it in detail. See our home inspection checklist  ...Read More