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Posted by: Jennifer Koop
Planning For A Mortgage… Have Your Paperwork in Order When you apply for a mortgage you will typically need to provide a standard package of documents, which almost always includes: Your government-issued personal identification One month of recent pay stubs from any applicants who will be listed on the loan Letter of employment Your most […]
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Planning For A Mortgage… Understand Your Mortgage Options When it comes to mortgages, there can be a lot to know! Do you go with a fixed-rate mortgage or a variable-rate? What are the terms? What are the penalties? Which is the best payment frequency? With so many questions and so many lender options, it can […]
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Planning For A Mortgage… Secure Your Down Payment For those of you who don’t know, your down payment is the amount of money you need to put down on your new home. Once you have determined your budget, you will have an accurate idea of the final cost of the home you can afford and […]
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Planning For A Mortgage… Determine Your Budget Now that we have talked credit, it is time to consider budget! We know, we know… but we promise, you’re almost there! When talking budget, it is important to consider the purchase price budget, as well as your cash flow budget. Being house rich and cash poor makes […]
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Planning For A Mortgage… Understanding Your Credit Score One of the important factors in home ownership is understanding things like your credit score. Some people don’t pay much attention to this metric until they begin the mortgage discussion! However, you will find that your credit score is one of the most important factors when it […]
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How to Afford that Home Renovation! Is your home in desperate need of an upgrade? Are you dying to renovate your bathroom, kitchen or other space but not sure how to fund this renovation project? Did you find a home you’d like to buy but it needs work? We’ve got good news! When it comes […]
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5 Approval Roadblocks. When in the process of buying a home, there is nothing worse than having your mortgage broker or lawyer call and say “there is a problem”. If you have found your dream home and negotiated a fair price, which was accepted, and you have supplied all the documentation to your broker, you […]
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Sugar Free & Dairy Free Fudgesicles. “These are so lusciously creamy, sinfully rich-tasting – the kind of thing you put in your mouth and kind of can’t believe what’s happening. Vegan, almost raw, and full of whole food ingredients, they are also downright filling! They make a fabulous mid-morning or afternoon pick-me-up, especially with the […]
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Budgeting for the Year Ahead! With the recent inflation and rising prices occurring across the country, it is time to take control of your finances. One of the quickest ways to understand where your money is going and where you can make changes, is to create a monthly budget. This will help you get a […]
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Refinancing Your Mortgage in 2025. Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners! Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For […]
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