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Posted by: Chanele Langevin
When it comes to mortgages, most borrowers will ask at some point in time: “Should I go with a variable or fixed rate?”. To make an informed decision, it is important to have in mind what your short- and long-term goals are additionally to the historical trends. When it comes to variable versus fixed rate, […]
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Title insurance can easily seem like another unnecessary add-on to the already complicated and costly process of buying a house, but nothing could be further from the truth. It can help speed up the process of closing on your new home, while protecting you and your heirs against a variety of unforeseen and expensive risks. […]
Read MorePosted by: Chanele Langevin
Buying your first home is an incredible step in life, but it is not without its hurdles! One of which is demonstrating that you are creditworthy, which all comes down to your credit rating. This is how lenders and credit agencies determine the interest rate you pay, or whether you will qualify for a mortgage […]
Read MorePosted by: Chanele Langevin
As a Mortgage Agent one thing I have noticed when dealing with clients is that many people confuse the words renewal and refinance as they pertain to mortgages. I would like to break down the basics of what refinancing a mortgage means and what the steps are to go through the process of refinancing a […]
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As a Mortgage Agent, I noticed that many clients get confused with the different insurances products available to them when securing a mortgage. Mortgage Loan Insurance The first insurance is the Mortgage Loan Insurance or Default Insurance. This insurance takes place when there is a home purchase with down payment being less than 20% of […]
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Have you ever been asked to co-sign or become a Guarantor for someone on a loan or mortgage? This is generally something that is considered very personal to people and usually involves close family members or parents and children. Having sufficient income is not all that is necessary to obtain a mortgage. The borrower must […]
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One of the responsibilities I have as a mortgage agent in Grande Prairie, Alberta is to ensure that my clients are aware of and understand the importance of having life and disability insurance on their mortgage. There are so many different types of insurances that we are offered throughout our lives that it can be […]
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For many divorcing couples, a home is the most valuable asset. It is important to seek legal advice, as well as the advice of a mortgage agent, very early in the process. As a mortgage agent in Grande Prairie, Alberta, I can assess overall expenses you would incur, with different scenarios, in regard to your […]
Read MorePosted by: Chanele Langevin
Choosing a Mortgage Broker/Mortgage Agent is a critical first step when you are planning to purchase and finance a home. A mortgage broker is an intermediary between the borrower and the pool of lenders. Using a mortgage agent eliminates the need for you to shop around trying to find the best rate and mortgage product to […]
Read MorePosted by: Chanele Langevin
As a Mortgage Broker in Grande Prairie, Alberta, I have had the pleasure of helping many people realize their home-ownership dream. Purchasing a home can be stressful if homeowners lack proper professional support throughout the transaction; especially if this is their first home purchase. There are a few things that are critical to keep in […]
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