Blog
The Impact of Your Credit Score on Your Mortgage Rate
What is a credit score? You’ve likely heard about credit scores many times before, but what exactly are they? Simply put, your credit score determines the likelihood of you as a borrower to pay...
Closing Costs – What to Expect After You Buy a Home
We have helped so many members of our mortgage family save money and buy their dream homes! But what about the costs between your down payment and monthly mortgage bills? Closing costs are important...
5 Tips to Save For Your First Mortgage
Rising home prices may make the thought of saving for a down payment seem intimidating. It doesn’t have to be. With a plan in place and the diligence to follow through, you can reach your goal of a...
What is a Mortgage Pre-Approval? (And 3 Other Mortgage Approval Process Tips)
We’re sure you have heard about mortgage pre-approvals. Brokers (ourselves included) strive to make the pre-approval process as simple as possible and give you the confidence needed to start looking...
Variable vs Fixed Rate Mortgages: Which is Right for You?
There are many members of our mortgage family with both variable and fixed rate mortgages, but why? Is one not superior to the other? We’ll break down fixed and variable rate mortgages to help you...
Tips For First Time Home Buyers
Buying your first home is an exciting but stressful experience. It is nearly impossible to be prepared for every possible curveball the home buying process throws at you, but we have a few tips to...
The “5 As” of a Neighbourhood
For many people, buying a house is an exciting journey. While it may be tempting to jump right in and start looking for your dream home, remember that the neighbourhood you select for your family is...
9th Annual Charity Christmas Classic
Every year our team holds the annual Charity Christmas Classic. This year, however, it will look a little different. While we need to stay 6 - feet apart the food banks need more donations than...
What is a “Gifted” Down Payment?
A “Gifted” Down Payment is very common for first-time buyers. Essentially, a buyer’s family member will offer up money to go towards the down payment of their new home. A gifted down payment is...
Why Use a Local Mortgage Broker in Langley
The mortgage industry has become a more than $1.5 trillion dollar industry in Canada. As the industry grows so do the options Canadians can choose for a mortgage. Banks, credit unions, mortgage...
5 Things You Need to Know Before You Co-Sign a Mortgage
So you're thinking about co-signing for a mortgage? Do you really know what it means to be a mortgage cosigner? Do you know what you're getting yourself into when cosigning a mortgage? Co-signing a...
Why Surrey & Langley Residents Should Consider Refinancing
With the 2019 pandemic, a few economists believed home sales would fall in BC however, that has not been the case. The housing market in BC is growing and demand is outweighing supply with no end in...