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Will the Housing Market Crash?

August 9, 2017

The housing market has experienced historical growth in appreciation in recent years, having many people ask, “will the housing market crash?”. The concern stems from the fact that the current levels of appreciation cannot be sustained for too much longer. For example, a home worth $600,000 would be worth about a $1,000,000 in just 3 years. If we continue to follow the trajectory of appreciation, that would mean that same home would be worth about $2,000,000 just 4 years later. Clearly, the question “will the housing market crash” is one that is worth asking as home prices are beginning to … Continue Reading

The Importance of Mortgage Protection Insurance

July 26, 2017

Many of our clients often ask about insurance options when taking a mortgage. Like many other forms of insurance, mortgage protection insurance offers a peace of mind in the event of unfortunately life events that make it difficult to keep up with payments. It is a regulatory requirement that mortgage protection insurance is offered to all borrowers when applying for a mortgage but it is not mandatory that the insurance be taken by the borrower. Although mortgage protection insurance varies from different insurance providers, there are two main types of payable benefits that are offered in the industry: Disability – … Continue Reading

Mortgage Services You May Have Not Considered

July 12, 2017

Since a mortgage is a secured loan against real estate property, all mortgage services are essentially providing such loans to serve various purposes. The most common uses of mortgage services are for purchasing homes and refinancing homes to get better rates throughout the lifetime of your mortgage. However, may people may not have considered other uses of mortgage services to help them in their lives. Below are a few examples of other mortgage services offered throughout the industry:   Mortgage for Debt Consolidation Mortgage for Investment Mortgage for Renovations Home equity lines of credits (HELOC)   Firstly, Seeking mortgage services … Continue Reading

Should Your Mortgage for an Income Property be Different than your Home Mortgage

June 28, 2017

A mortgage for income property can be different from the mortgage you have on your primary residence but it depends on personal circumstances and goals. For example, you may have a 5-year fixed mortgage on your home but because your goals are different for each property, so to would be your mortgage. Usually clients prefer to take more cautious mortgages on their own homes and tend to be more risk savvy when it comes to mortgage for income property. So, in the case of the income property, clients give more consideration to variable mortgages, where the interest rates can fluctuate … Continue Reading

Is Loan Consolidation A Good Choice for You?

June 14, 2017

One of the most common uses of mortgages are for the purpose of loan consolidation. Often times, through a series of life circumstance, we tend to pile on a variety of debts at different interest rates. And example of some of debt types and interest rates are as follows: Credit cards – 19.99%-29.99% Personal loans – 10%+ Lines of Credits (Unsecured) – 5%+ Pay Day loans – 30%+ People are realizing more and more that it is no longer feasible to carry their unsecured debts because they are unable to successfully pay them down at their current interest rates. As … Continue Reading

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