How to Repair Credit

By |December 13th, 2017|Uncategorized|0 Comments

Credit history has become one of the most important factors banks consider when deciding whether or not they want to lend you money. Your credit history can determine your ability to buy a car, rent an apartment, or even to […]

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UPDATED: OSFI MORTGAGE CHANGES

By |December 1st, 2017|Getting a Mortgage, Market Updates, mortgage trends, Refinancing|0 Comments

As many of you may remember, this past October the Office of the Superintendent of Financial Institutions (OSFI) issued a revision to Guideline B-20 . The changes will go into effect on January 1, 2018 but lenders are expecting to roll this […]

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Mortgages and Paperwork

By |November 17th, 2017|Getting a Mortgage|0 Comments

Paperwork-it’s a fact of life. You need it and we as mortgage professionals also need it. Below is a list of must have documentation BEFORE you start going through the mortgage approval process.

 

Personal Information

This will be the basic information […]

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Mortgage Insurance 101

By |November 9th, 2017|Getting a Mortgage, Mortgage Insurance|0 Comments

When you purchase a property, you may be a little overwhelmed by all the insurance offers related to the purchase of said property. Mortgage Insurance, Condo Insurance, Mortgage Default Insurance, Earthquake Insurance; the list goes on and on. It can […]

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GLM CONTEST | Enter to Win!

By |November 2nd, 2017|Uncategorized|0 Comments

Leave a Review, that’s all you have to do!

 

 

Christmas has come early here at GLM! If you have worked with us in the past, learned something from GLM, or are a GLM fan we want to give you the chance […]

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New Mortgage Changes | What You Need to Know

By |October 18th, 2017|Market Updates, Mortgage Insurance, mortgage trends|0 Comments

On October 17, 2017, OSFI (Office of the Superintendent of Financial Institutions) announced that effective January 1, 2018 the new Residential Mortgage Underwriting Practices and Procedures (Guidelines B-20) will be applied to all Federally Regulated Lenders. Note that this currently does […]

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What is an interest rate differential (IRD)? How do you calculate it?

By |October 13th, 2017|Getting a Mortgage, Mortgage Broker, Rates|0 Comments

A mortgage in its simplest form is a contract. It has terms, conditions, rights and obligations for you and the lender. When you sign on the dotted line, you are agreeing to those terms for the length of time laid […]

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A Guide to Rent to Own Properties

By |September 22nd, 2017|First Time Home Buyers, Getting a Mortgage|0 Comments

Renters, this article is for you! With the market still holding strong, with high prices and low inventory, the thought of getting out of your rental may seem daunting. However, if you have an accommodating landlord and the will to […]

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CMHC: Go Green & Save!

By |September 21st, 2017|CMHC, Fun Stuff|0 Comments

We all do different things to go green in our day to day life: using reusable shopping bags, biking instead of driving, re-using water bottles…you name it. All of the various steps we take to minimize our environmental foot-print gives […]

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VIDEO: Rent To Own’s-Should You Do It?

By |September 15th, 2017|First Time Home Buyers, Getting a Mortgage, Mortgage Broker|0 Comments

We were excited to have a few moments to interview Rent to Own expert, Tim Grier of Lindsay Kenney LLP to get a few details on Rent to Own’s and what you need to know before you enter into one. Watch the […]

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