An appraisal is the best way to estimate your property’s fair market value based on the location, condition and recent sales of similar homes in the surrounding area. Beyond an estimate of how much your property is worth, an appraisal also indicates the amount a lender will let you borrow for a property. An appraisal…

It sure does! Your credit score is a fast pass to great mortgage rates and excellent terms. It’s essentially proof that you can be trusted to make payments if you’re given a loan of any kind. A high credit score means you’ll get access to the best mortgage rates on the market and have more…

What is it? This program allows you to borrow the cost of renovations (up to a certain percentage) and add it to the home price, rolling it all into one easy-to-manage mortgage payment. Once you take possession of your new home, you can start the upgrades immediately. This type of mortgage comes with a few…

If this is your year to buy a home and secure a mortgage, I want to share with you my top tips for securing a mortgage in 2022. 1) Have a plan: I always recommend having a plan, but even more so when you are shopping in a competitive market with rising interest rates. Before…

Is moving away from your bank for a mortgage out of your comfort zone? I’m here to tell you, that’s totally ok! My goal is always to provide options and information, the rest is up to you. 90% of my clients are referrals or repeat clients. I love being able to work with clients to…

What is my prepayment privilege? Your prepayment privilege allows the flexibility of paying down a portion of your principal during your mortgage term, without any penalty. This percentage allowed varies depending on the lender. It’s important to look into your prepayment privileges as the more allowed, the quicker you can pay down your mortgage and…

Now that the kids are back in school and we are settled into our fall routine, it’s a great time to check in with your mortgage to ensure you’re ending 2021 on the right note. I see way too many clients who secure their mortgage and then forget about it. That’s crazy! Your mortgage is…

With mortgage rates still at an all-time low, should you consider refinancing? If your mortgage rate is higher than it should be, if you’re planning a large renovation or if you simply want to explore your options,it is definitely worthwhile to meet with a mortgage professional to explore your options. What does it mean exactly…