OK, today we are going to talk about saving for a down payment and how to know when you can afford to buy a home.Experts say the cheapest, most efficient way to buy a house is to make a 20% down payment. But today, that’s a huge amount of money. Here are 4 factors to consider when determining if you can afford to buy. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, Today we're going to talk about how to save for a down payment.Back in the day, you could buy a big house for $100,000. But now it seems like that’s just the price for the down payment.Most of the time, your down payment will be 20%.So on a $500,000 house, that’s $100,000 down! Even a $300,000 condo would require a $60,000 down payment. Here are 5 ways to save for a down payment. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, today we are going to talk about 5 ways to pay for home improvements.Have you been considering a home improvement project lately? Maybe you’d like to add an extra room, more floorspace to your home, or simply update your kitchen and bathroom. Whatever your plans, you first have to decide how you’re going to pay for it. Here are 5 ways to fund your next renovation or home improvement project. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, today we’re going to talk about how to keep your kids’ out of debt.The last time I checked, the average student’s debt is currently almost $30,000, and it’ll be even higher by the time your kids graduate!The truth is most young people—and often their parents—can’t afford that kind of debt, so it ends up damaging their credit rating and ability to buy a house and raise a family.Of course, the best way to prevent such problems is to avoid massive student debt in the first place. Here are 5 tips to avoid student loan debt. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, today we're going to talk about how to get ahead financially.With the volatility in today’s markets and the huge number of choices available in equities and mutual funds, it’s almost impossible for us to securely and profitably manage our own investments.But choosing the right financial advisor isn’t easy either. Here are 3 questions to help you make the right choice. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, today we are going to talk about how Airbnb income will help you qualify for mortgage refinancing.Are you renting your home through Airbnb? Or ever thought about it? You might after you read about some of the perks you can get when it comes to refinancing or qualifying for a second mortgage. Here are 7 tips for using Airbnb income when applying for a mortgage. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, Today we are going to talk about 3 things you should never do if you want a good credit score. No matter how high your credit score is, you can always benefit by helping it get higher.The trouble is some of the things people do to raise their score can actually lower it. Here are 3 major DON’Ts. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, today we’re going to talk about how to achieve your goals.Any chump can set a goal. But it takes a champ to achieve it! So, what separates the champs from all the rest? I’m glad you asked. Here are 5 simple steps to achieve any goal. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK' today we’re going to talk about the BIG “A” word… AMORTIZATION that is! The length of time it takes you to pay off your entire mortgage is called the amortization. But don’t fall prey to the misconception that a longer amortization is better. In most cases, the opposite is true. Here’s what every homeowner needs to know. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK' today we are going to talk about 4 ways to get the lowest possible refinance rate.If you’re thinking about refinancing, there are ways to make your rate even lower than you think. Here are 4 ways to make sure you get the lowest possible refinance rate. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Let’s face it, debt isn’t a financial problem, it’s a behavior problem.So becoming debt-free takes more than sound financial strategies, it takes a mindset shift that establishes new wealth-building habits. Here’s the fastest, easiest way to become debt free. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK' Today we are going to talk about some things you should never put on a credit card.Credit cards make purchases more convenient. But in some cases, that convenience comes with too high a price. Here are 5 things you should never put on a credit card. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Have you ever wondered if the way you habitually think is helping or hindering your ability to attract wealth and prosperity? Well, recent studies indicate that we can actually unwittingly sabotage our ability to achieve financial security. Here are 5 wealth-repelling attitudes to steer clear of. If you're looking for a top-notch Mortgage Advisor in Concord, Call us at (416)722-5392

OK, we’re going to talk about a simple –yet profound –principle that can transform your health and your wealth over time...It’s called the “apple-a-day” principle. Here’s how it works... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

We’ve all heard the stories of massive cost overruns, missed deadlines, shoddy work. No wonder so many people are afraid of renovations. But avoiding such nightmares isn’t difficult. All you have to do is some upfront legwork. Here are 4 things you can do to avoid renovation nightmares… If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Before you consider refinancing your existing mortgage,it's important for you to determine the break-even point, which represents how soon the cost of the refinance will be recaptured through lower monthly payments. The answer to this question depends on multiple factors. See the factors here: If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Ok, Today we are going to talk about when an all-cash offer is the right move.Surprisingly, lots of people make all-cash offers on houses. According to one study, up to 29% of single-family home and condo purchases in 2017 were all-cash. Here are the advantages and disadvantages to purchasing a home with all cash... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Get ready – today we’re about to shatter a few common refinancing myths that may shock you.Refinancing your mortgage can save you money, give you more flexibility and free up cash for other projects. But many people hesitate to even inquire about refinancing because they’ve bought into these common myths. Here are 6 common refinancing myth severy home owner needs to know... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Choosing the best mortgage from all the available lenders out there can be complicated. There are so many terms, features, restrictions and potential penalties to keep in mind.But at least mortgage rates are easy to compare—all you have to do is choose the lowest one, right? Think again! Choosing the lowest rate is only straightforward if all the rates are stated the same way and include the same things. Here are a few "insider secrets" you need to be aware of... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Ok, today we are going to talk about a few ways to save money in under 30 minutes. After all, saving money doesn’t have to be time-consuming. Here are 5 quick and easy ways to start saving right now... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.