There is no one answer that is best for everyone 🙂 So how do you choose what’s right for you? Click here for a road map to satisfaction 😉
How many recent pay stubs do you need?
Only one in most cases. When would we need more? if your pay stubs don’t show your year to date earnings if your pay stubs are hand written if your pay stubs are not issued by a payroll service provider (ie. Ceridian, ADP, etc)
How do I choose the right mortgage?
talk with someone who listens to you, who asks you questions specific to your situation and presents options based on your personal needs. don’t be shy about asking why a product was offered focus on your goals first, then narrow down to what’s out there that meets your needs. Too often, people look at all […]
What is title insurance?
It’s insurance that can help protect you against problems related to the title of your home. Title insurance can cover the lender, or you can take out your own title insurance policy to benefit you. You can learn more here, or here. And the Financial Services of Ontario made a pretty excellent brochure that you […]
Can I buy a second property with 5% down if I’m staying in my current home?
Yes, in some cases, you can. You can find a list of eligible properties here.
How do I figure out what I qualify for?
If you’re looking for an accurate answer, you ask one of us 🙂 No, really…there are lots of variables that are taken in to account and we can help you sort them out. If you just want to try it on your own, go here and get ‘er done!
What is a mortgage?
Simply put, it’s a way to use real estate to borrow money. Want the longer answer? Click here 🙂
Why do you call yourself happiness builders?
Because we do everything we can, all the time, to put a smile on your face. Wanna hear a joke? Ask away!
I make some money under the table. Can I use that to qualify?
If you don’t show Revenue Canada that you have it, then we can’t show it to help you qualify. If you want to stick it to the man, you’ll have to find another way 😉 Maybe you can try this game, it looks like fun!
Can I get a mortgage if I’ve claimed bankruptcy?
You bet you can! Click here to see how it’s done.