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How I Can Help You
Get the Mortgage You Deserve
For me, there’s no higher priority than achieving client satisfaction. I work diligently towards providing the real estate financing solutions my clients need, based on their unique financial situations and lifestyle preferences. Check out some of my specialized services below to learn more.
This is me, an experienced Mortgage Specialist who can help you achieve your goals by inspiring you to invest and make the right decision that will benefit you in the future and also cover your immediate priorities. I have worked with first-time homebuyers to get their first home and gain equity in a short term to grow their net worth. I feel proud when I get feedback from my clients with whom I have spent time and made a difference in their life. My goal is to make you DEBT FREE in the future and let you enjoy your RETIREMENT.
Mortgage Lending
Each of my services caters toward getting my clients the best options possible, no matter their financial situation or real estate background. Contact me today to see what I can do for you. Check out my opening hours and schedule a consultation appointment today!
Credit Assessment
Whether you need help negotiating a mortgage or buying a new home, I can manage all your mortgage needs. My services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together by simply contacting me, we can find out what is best available for you.
Effective December 15, 2024
Delivering the Boldest Mortgage Reforms in Decades - Canada.ca
• High Ratio 30-year mortgages will become available to anyone purchasing a newly built home.
• FTHB’s, 30-year insured mortgage will become available for the purchase of New or Existing homes.
Also in effect Dec. 15th, the $1 million price cap for all insured mortgages will be increased to $1.5 million. Down payment requirements will remain the same, 5% on the first $500K and 10% on the remaining. Government announces boldest mortgage reforms in decades to unlock homeownership for more Canadians - Canada.ca
Lenders and insurers will be able to offer mortgages under these new rules starting December 15, 2024, and prospective buyers can begin submitting applications to insurers from this date onward.
Mortgage Loan Insurance Premiums may be subject to change.
Additional Information
CMHC Eco Programs – Potential 25% Mortgage Loan Insurance Premium Refund when:
• Eco Plus – Purchasing a newly built Energy Efficient Home. In BC we are fortunate because last May, the province adopted the BC Step Code as the building standard. BC Step code is one of the eligible certificates that qualify for the refund and a large majority of the province adopted the Step code in 2018 and on, so most new builds will qualify.
• Eco Improvement – Purchasing an existing home and doing a minimum of $20,000 in Energy Efficient Renovations within 3 categories; building envelope, mechanical systems, renewal energy systems.
• This program can also be combined with the purchase plus improvements program to roll the costs into the mortgage, or they can choose to use another method to pay for the renovations such as savings, credit/loans, Government or regional loans or incentives (I added a list of great additional resources below).
• Eco Programs for Lenders: Unlocking Energy Efficiency | CMHC (cmhc-schl.gc.ca) – For more detailed information and resources, you can find all the eligibility requirements for both programs in more detail here.
• CMHC's Eco Products | CMHC (cmhc-schl.gc.ca) – Share this link with your buyers, it has the general information on the CMHC Eco programs and where they go to apply for the refund.
Additional Rebate/Incentive resources you can share with homeowners/homebuyers, regardless of mortgage financing.
• CleanBC Better Homes: BC Energy Rebates & Resources (betterhomesbc.ca)
• Financial incentives by province (canada.ca)
• ENERGY STAR rebates and incentives directory - Search | Natural Resources Canada (nrcan.gc.ca)
Never miss an important update. If you’re interested in learning more about my professional services, please give me a call or subscribe at the bottom.
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