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Borrowed Down Payment Program Offered by Genworth Canada
Saving for a down payment can be challenging. It can take many years to accumulate the funds needed, and for those who are not blessed with deep pockets, it can be downright impossible. Sometimes, the only way to obtain the funds for a down payment is through...
A Lenders, B Lenders, and Private Lenders – Which One Should You Pick to Fund Your Mortgage?
The Difference Between a Lenders, B Lenders and Private Mortgage Lenders On January 1, 2018, the Canadian government required the major banks to conduct "stress tests" on prospective borrowers, effectively making it harder for the average household to qualify for a...
How To Get Your Notice Of Assessment Online
Did you know you can view and download your NOA online? When you file your taxes, you'll receive a Notice of Assessment (NOA) from the Canada Revenue Agency (CRA). This document summarizes your tax return and provides valuable tax information that you should review...
The Benefits Of Hiring A Realtor When Purchasing A Home
Why use a real estate agent when home buying? Purchasing a new home is not an easy undertaking. The process involves searching for the ideal location, finding a property that meets all of your expectations, getting pre-approved from a lender, filling out endless...
10 Ways to Repair Your Credit
Follow These 10 Tips To Repair Your Credit Most people will need a loan at some point in their lives, whether it's to purchase a home, car, or even pay for a wedding. A great credit rating is the key to being approved for a loan - if you possess a solid credit rating,...
Everything You Need to Know About the First-Time Home Buyer Incentive Program
New Mortgage Program September 2, 2019. Everything You Need to Know About the First-Time Home Buyer Incentive Program With ever-increasing stacks of bills and high levels of debt to contend with, many Canadians are struggling to gain a foothold in the housing market....
Fixed-Rate Mortgages vs Variable-Rate Mortgages: What’s Best for You?
When looking to acquire a mortgage, the first major decision you'll have to make is whether to go for a fixed-rate or variable-rate. Both types of mortgages have their pros and cons, so it's worth exploring how they differ so that you can confidently select the one...
The Benefits of a Cash Back Mortgage
What is a cash back mortgage? Many people are surprised to learn that there are some additional costs that come with purchasing a home. In addition to the down payment, there are many other costs that must be accounted for, such as legal fees, landscaping,...
Five Things Every Homeowner Should Know About Property Taxes
If you own your own home, there's no getting around property taxes. Property taxes are levied by municipalities to pay for local services, such as government offices, public schools, first responders, utility infrastructure, roads, and parks. These taxes are the...
Pre-Qualification vs Pre-Approval: What’s the Difference?
Pre-Qualification vs Pre-Approval: What's the Difference? If you've decided to ditch renting in favour of purchasing a home, it's essential that you get familiar with the process, from start to finish. Right away, you'll be bombarded with terms that may sound alien to...
