Mortgage blog.

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

Buying with a co-borrower

Two incomes, two credit files, two different contributions. We turn that into one budget, and look at what each of you brings.

Newcomer and credit file

Your status, your job, the funds you’ve transferred, and the credit history you have here. We start from what exists, not from what’s missing.

Buying before selling

Sell first, make a conditional offer, or bridge it with temporary financing. Three paths, compared against realistic dates.

Buying with self-employed income

What you earn and what your paperwork shows aren’t always the same thing. We start from your assessments and financial statements to set a budget that holds up.

Prequalification before an offer

An estimate from last year isn’t worth much anymore. We redo your income, debts, and funds before you put in an offer.