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Should You Break Your Mortgage Early to Get a Better Rate?

April 9, 2025

Mortgage Refinance, Mortgage Renewal, Mortgages

Is it worth it to break your mortgage when interest rates drop.? It depends, but in many cases, the answer is yes. Watch my video or read on to find out if this is the right decision for you! Why You Might Consider Breaking Your Mortgage If you locked in…

Should You Use a Cosigner for Your Mortgage?

Jason Scott

April 2, 2025

Mortgages, Purchasing a new home, Qualifying for a Mortgage

Thinking about using a cosigner for your mortgage? It’s a big decision that deserves a closer look. Sometimes, having a cosigner for your mortgage can open the door to homeownership when your finances or employment history fall just short of qualifying. But bringing someone, usually a parent, into your mortgage…

Why Mortgage Renewal Timing Matters

Jason Scott

March 24, 2025

Mortgage Renewal, Mortgages

Thinking about switching lenders at your next mortgage renewal? Don’t leave it to the last minute. Watch my video or read on to find out why! Review Your Options Before Mortgage Renewal When it comes to a mortgage renewal, preparation is everything. Ideally, you want to start reviewing your options…

How to Avoid Costly Mortgage Mistakes in Edmonton’s Hot Market

Jason Scott

March 17, 2025

Mortgages, Purchasing a new home

The Edmonton real estate market is more competitive than ever, with buyers facing multiple-offer situations on a regular basis. While excitement is high, so is the risk of making costly mistakes. Watch my video for more details on how to avoid these mistakes: Bidding Wars A few weeks ago, I…

What Does the March 12th Bank of Canada Rate Cut Mean for You?

Jason Scott

March 13, 2025

Mortgages, Purchasing a new home

The Bank of Canada has announced a rate cut again, sparking questions about what this means for borrowers, future Edmonton homebuyers and the broader economy. While lower rates can be beneficial for some homeowners, they also signal Canadian economic concerns. Watch my video or read on for more details! Why…

What is a Private Mortgage?

Jason Scott

March 3, 2025

Mortgages, Purchasing a new home

Most homeowners will never need a private mortgage, but for those who do, it can be a essential tool for short-term financing. Unlike traditional loans, private mortgages focus on the equity in your property rather than your income, credit score, or job history. These loans come with higher interest rates—often…

Renting Means Paying Infinite Interest

Jason Scott

February 23, 2025

Mortgages, Purchasing a new home

If you’re renting, every dollar you pay is gone for good. Unlike a mortgage, where you’re building equity, renting gives you zero return, except maybe a folder full of rent receipts. Watch my video or read on for more details! Owning Builds WealthEven with 5% or 10% mortgage interest, you’re…

Understanding Posted Mortgage Rates

Mr. Bongo

February 17, 2025

Mortgages, Purchasing a new home, Qualifying for a Mortgage

What Are Posted Mortgage Rates? You may have seen the term posted rate when looking at mortgage options—but what does it actually mean? Unlike the rate you actually get on your mortgage, posted rates are the rates lenders use when calculating certain penalties, particularly Interest Rate Differential (IRD) penalties. Watch…

The Truth About Mortgage Cashback Offers!

Jason Scott

February 11, 2025

Mortgages, Purchasing a new home, Qualifying for a Mortgage

What Are Mortgage Cashback Offers? When shopping for a mortgage, you might come across lenders offering cashback incentives—sometimes $1,000, $2,000, or more—if you open a bank account with them and have your mortgage payments come directly from it. Sounds like a great deal, right? Not always. Watch my video or…

This is Why a Pre Approval Doesn’t Guarantee Your Mortgage

Jason Scott

February 4, 2025

Mortgages, Purchasing a new home, Qualifying for a Mortgage

Many homebuyers assume that once they have a pre approval for a mortgage, they can make an unconditional offer. Unfortunately, that’s a risky mistake. A pre-approval is an important step, but it’s not a guarantee that your mortgage will be finalized. Watch my video or read on for more information.…

News

Should You Break Your Mortgage Early to Get a Better Rate?

Should You Use a Cosigner for Your Mortgage?

Why Mortgage Renewal Timing Matters

How to Avoid Costly Mortgage Mistakes in Edmonton’s Hot Market

What Does the March 12th Bank of Canada Rate Cut Mean for You?

What is a Private Mortgage?

Renting Means Paying Infinite Interest

Understanding Posted Mortgage Rates

The Truth About Mortgage Cashback Offers!

This is Why a Pre Approval Doesn’t Guarantee Your Mortgage

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