It is a fantastic time to be living in Edmonton? With our city's constant growth and promising future, the question of renting versus buying becomes even more crucial. As someone who understands the rhythm of Edmonton life, I'm here to offer some friendly advice: if you can afford it, consider buying a home. Here's why.

There are hundreds of financial institutions and financial experts who want your business. They all claim to have the best rates and the best service. They all have plans and promotions. They all have angles.

In the spring of 2020, in order to keep you safe, mortgage brokers, lenders, lawyers, appraisers and title companies, realtors and home inspectors have all come together to offer you mortgage solutions that are either contact free or require minimal contact with your safety in mind.

I hope everyone is well and remaining sane during this time of isolation and stress. For those of you who are still working in positions that are essential or where you are at risk, please know that I am so grateful for you and I hope that before anything else you are able to look after your own health and do not feel uncomfortable about doing that.

Finding the right mortgage for your specific needs at the best possible rate can be difficult. Below are a few questions to ask before deciding which product is right for you 1. What is the rate drop policy with respect to pre-approvals? A good lender will pre-approve you at a certain rate for 120 days. If rates drop during that timeframe and you decide to close on your mortgage, you should qualify for the lower rate. If rates increase, you still have the benefit of the lower rate 2. What factors can affect my approval? While a lender may pre-approve you at a certain…

As a small business owner, in case you don’t already know; you are measured against a higher bar when obtaining mortgage financing. In order to qualify for traditional mortgage financing you must meet all the following criteria:

When you are purchasing from a builder, there are a few questions to ask about financing:

How long before your new home will be ready? (this is important and may affect your rate hold options)

What type of mortgage is required?

As an Axiom Broker, my role is to take a longer term view and create options to help you to plan for the worst. Life happens, and circumstances beyond your control; job loss, health issues, business challenges, lawsuits, divorce, etc. can quickly derail even the best of us and put us in a difficult financial position.

The following Zero Cost Insurance Plan creates a safety net via strategic use of pre-payment
privileges. This goes well beyond the simplistic “skip-a-payment” policy offered with many lenders.

Buying a house for the first time is an exciting experience, however, many people take very little time to consider their options before making a decision, and that’s because it’s an unfamiliar experience. During the home buying process, there are different stages you need to expect and prepare for. When you are aware of what is required buying a house becomes easier. You’ll know what to expect and what questions to ask for your benefit.

As you have probably noticed, interest rates have been on the rise for the last two years. While rates are still low, they are not as low as they have been in the past. What does this mean for you?

I am delighted to announce the launch of my new website!

New Website Coming Soon!