Skip to content

Mortgage blog.

Articles that answer the common questions, and case studies that work the same decisions through with real numbers.

Quebec river crossed by a bridge

Format

AllArticlesCase studies
FilterPurchase

Category

AllFirst purchasePurchaseRefinanceRefinancingRenewalRental property

Profile

AllBuyerCo-borrowerFirst-time buyerHomeownerHomeowner with debtInvestorNewcomerPrivate mortgageProspective buyerRenovating homeownerSelf-employedVariable-income borrower

Inspection or appraisal: two reviews, two purposes

The inspection works for you. The appraisal works for the lender. Both matter, for different reasons.

HBP, FHSA, a gift, savings: where is your down payment coming from?

Every dollar of the down payment needs a source, a date, and proof. We put that together before the offer.

Set a purchase budget that leaves a reserve after closing

Start from the payment you want to make, and keep cash for costs, maintenance, and surprises.

Prequalification or approval: what is actually confirmed?

What a prequalification gives you, and what still has to be confirmed before the offer.

Financing condition: which dates should the offer protect?

How many days to give the financing condition, once you account for documents, appraisal, and the lender.