Mortgage Blog

The Pros And Cons Of Reverse Mortgages - A Quick Guide

The Pros And Cons Of Reverse Mortgages - A Quick Guide

November 28, 2018 | Posted by: Carlos Tovar

No matter how carefully you plan, life can put a dent in your retirement funds. A life-altering accident or illness can turn your life upside down. Dipping into your retirement to meet uncovered expen ... [read more]

3 Lesser-Known Ways to Invest in Real Estate

3 Lesser-Known Ways to Invest in Real Estate

November 14, 2018 | Posted by: Carlos Tovar

Investing in real estate has long been a path to wealth-building. Real estate is an asset that can provide both ongoing income and value appreciation, making it attractive to those who seek long-term ... [read more]

Real Estate: Four Features of Profitable Rental Property

Real Estate: Four Features of Profitable Rental Property

October 24, 2018 | Posted by: Carlos Tovar

Investing in real estate can be a frightening task for a first-time buyer. While the rewards can be huge, there are also a number of risks that you will need to consider. However, if you know what to ... [read more]

Why do Mortgage Rates Change?

Why do Mortgage Rates Change?

October 23, 2018 | Posted by: Carlos Tovar

Let’s take a look at the factors that influence fixed and variable mortgage rates. Fixed Mortgage Rates The main factor affecting fixed mortgage rates is Government of Canada bond yields.&nb ... [read more]

Five Surefire Ways to Ensure You are ready to Buy a Home as a Recent College Graduate

Five Surefire Ways to Ensure You are ready to Buy a Home as a Recent College Graduate

October 10, 2018 | Posted by: Carlos Tovar

If you are a recent college graduate, you might think that buying a home is still many years off, but that's not necessarily the case. If you dream of homeownership, even as a young adult, there may b ... [read more]

Should You Get a Shorter-Term Mortgage, Make Extra Payments, or Something Else?

Should You Get a Shorter-Term Mortgage, Make Extra Payments, or Something Else?

September 26, 2018 | Posted by: Carlos Tovar

When getting a home mortgage, if you can afford higher payments, often the option of a 15-year loan instead of one of 30 years is an option. It can be an enticing idea to know that you'll be free of a ... [read more]

Four Home Renovation Projects That Will Boost the Value of Your House

Four Home Renovation Projects That Will Boost the Value of Your House

September 12, 2018 | Posted by: Carlos Tovar

Whether you are planning on selling your home in the near future, or if you intend to stay for a long time to come, a renovation can be a great way to boost the overall appearance, utility, and value ... [read more]

5 Reasons Why Your Home Isn't Selling

5 Reasons Why Your Home Isn't Selling

August 22, 2018 | Posted by: Carlos Tovar

You've put your house on the market, and you're ready to start spending all the money you know you'll make from the sale. There's only one problem. Your house isn't selling. After trying to figure ... [read more]

New CMHC Self Employed Program Makes It Easier For Self Employed Borrowers

New CMHC Self Employed Program Makes It Easier For Self Employed Borrowers

July 30, 2018 | Posted by: Carlos Tovar

Earlier this month Canadian Mortgage and Housing Corporation, the federal government mortgage insurance agency announced that they will make it easier for self-employed home buyers to get a mortgage ... [read more]

Borrowed Down Payment Program

Borrowed Down Payment Program

July 9, 2018 | Posted by: Carlos Tovar

The flex down mortgage is an option where you can borrow the money for your down payment from a third party. This may include personal loans, lines of credit or personal loans. Please keep in mind ... [read more]

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Carlos Tovar
Carlos Tovar
Team Leader - Mortgage Agent
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