No Doesn’t Always Mean No in Lending

General Shaun Serafini 10 May

No Doesn’t Always Mean No in Lending – Lethbridge Mortgage Blog Last week, new clients of mine took possession of an awesome new home for their family. Despite being sound in all aspects financially, these guys had been told “No” on a mortgage by several banks and brokers alike. The main factor was that one […]

Mortgage Decision Making: Embrace, Don’t Fear the Variable

Mortgage Tips Shaun Serafini 31 Mar

Ah yes, the age-old ‘Fixed vs Variable’ debate when it comes to mortgages… Analysis from one of our top lenders: “There is the notion that the big, trend-setting lenders will be looking to move (fixed) rates up to bolster profits. As well, Bank of Canada Governor Stephen Poloz has hinted he might be willing to let […]

Using a HELOC to Enhance your Financial Position

Mortgage Products Shaun Serafini 13 Mar

Do you have a large amount of equity built up in your home? Are you looking to further enhance your financial position? A HELOC may be just the type of financing that you are looking for. HELOC is an abbreviation for Home Equity Line of Credit. Basically, a HELOC is a credit account that is […]

My 2 cents on MORE Government policy changes to Mortgage Qualifying

General Shaun Serafini 19 Jan

OK here’s my soapbox moment in response to the recent CMHC news In case you missed news of this on Tuesday, CMHC announced that buying a home with less than 20% downpayment gets more expensive as of Mar 17 due to increased mortgage default insurance premiums. Now having worked as a Mortgage Professional for almost […]

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