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“Helping you find the best mortgage solutions to turn your homeownership dreams into reality, with expert guidance and personalized service every step of the way.”
Schedule a free consultation to discuss your financial goals and mortgage needs.
I’ll research and present mortgage options that align with your unique situation.
I’ll guide you through the application process, ensuring a smooth path to approval and closing on your new home.
A fixed-rate mortgage locks in an interest rate for the entire term, while a variable-rate mortgage fluctuates with the prime lending rate, which can affect your monthly payments.
Your mortgage qualification depends on factors like your income, credit score, debt levels, and the amount of your down payment. A mortgage pre-approval can give you a clearer idea.
A pre-approval gives you an estimate of how much you can borrow and locks in an interest rate for a specific period. It strengthens your buying power and helps you plan your budget.
In BC, the minimum down payment is 5% for homes under $500,000. For homes above $500,000, it’s 5% on the first $500,000 and 10% on the remaining amount.
Yes, self-employed individuals can qualify for a mortgage, though the process may require additional documentation to verify income, such as tax returns and financial statements.
A mortgage renewal occurs at the end of your current term when you negotiate a new interest rate and terms. It’s recommended to start the process 3-6 months before your term ends to secure the best rate.
