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Latest Mortgage Articles
The Reverse Mortgage Advantage: Financial Freedom for Homeowners 55+
Retirement is meant to be a time of comfort and peace, but for many Canadians, managing expenses on a fixed income while juggling debts can be stressful. If you’re 55 or older and own your home, a reverse mortgage could be the financial tool that helps you enjoy your...
Refinance Your Mortgage and Save: How to Make It Work for You
Refinancing your mortgage means renegotiating your existing mortgage agreement to better suit your current financial needs. Essentially, it involves paying off your current loan and replacing it with a new one that offers improved terms or benefits. Why Consider...
Purchase Plus Improvements (PPI): Renovate Your New Home Without Extra Loans
Finding your perfect home can be challenging — often, the ideal property needs a little TLC. Whether it’s outdated paint, worn flooring, old fixtures, or minor repairs, many homes come with imperfections. While some buyers are happy to tackle these issues themselves,...
Common Mortgage Questions
Explore answers to the most common questions about mortgages to help you make informed decisions.
What is a mortgage and how does it work?
A mortgage is a loan used to purchase a home, where the property serves as collateral. You repay the loan over a set period, typically 15 to 30 years, with interest.
How do I qualify for a mortgage?
Qualification depends on factors like credit score, income, debt-to-income ratio, and employment history. Lenders assess these to determine your eligibility and loan terms.
What is the difference between fixed-rate and adjustable-rate mortgages?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has a rate that may change periodically based on market conditions.
What are closing costs and how much should I expect to pay?
Closing costs are fees associated with finalizing a mortgage, including appraisal, title insurance, and attorney fees. They typically range from 2% to 5% of the loan amount.
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