Your credit score is the single biggest factor that lenders use in determining your interest rate when you apply for a mortgage. Yet most people don't even know what a credit score is, let alone whether they have a high score or a low one. The sad truth is if your score is unnecessarily low--due to errors or lack of professional advice--you could end up paying thousands of dollars extra over the life of your mortgage! Here's the shocking truth about how your credit score is calculated and more importantly, how to improve it almost overnight... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

If you have kids and/or nephews or nieces, today's video is especially for you... According to SavingForCollege.com, the cost of a four-year public university education (for in-state residents, excluding housing and supplies), is projected to be $95,000 by the time today's newborns graduate from high school. But if you start planning while your kids are young, the costs can still be affordable. Plus, you'll save them from being burdened with thousands of dollars in student loan debt! Here are a few ways to start saving... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Ok, today we are going to talk about everything you need to know about closing costs… Buying a home involves more expenses than just the price of the property itself. One category of expenses that most people forget to budget for is closing costs. Here are 8 closing costs every homebuyer needs to know… If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

OK, today we're going to talk about an unfortunate but common challenge that many homeowners face... You see, when you and your partner get together and jointly buy a house, it’s only natural to assume everything will be “happily ever after”. But the sad truth is many relationships eventually end in separation, and that can have a dramatic impact on your mortgage. Here are some potential scenarios to consider... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

OK, let’s talk about rates… Let’s face it, when it comes to getting a mortgage, everyone wants the “lowest rate”. I mean, why not save a few pennies, right? Sure, a low rate is important, but choosing your mortgage and lender based on rate alone can be a BIG mistake. With that in mind… Here are 4 factors to look for beyond a “good rate”… If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Robert Kiyosaki is an American multi-millionaire investor who made his fortune through something he calls the Cash Flow Quadrant. Have you ever noticed that in today’s economy, while the middle class is struggling in a tough job market, some entrepreneurs just keep getting richer? Here’s how the Cash Flow Quadrant explains that situation... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Buying a foreclosed house can be a great way to save money. However, achieving those savings takes a lot of preparation, and willingness to do some extra work. Here are 3 tips for buying a foreclosure... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

As you may know, credit reporting agencies collect all the data on your loans, lines of credit and credit cards to create your credit report and calculate your credit score. This information is then used by lenders—including mortgage lenders—to determine whether you’re a good credit risk. What many people don’t realize is that cellphone bill payments can also have an effect on credit rating. Here's how your cell phone impacts your credit.. If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

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. Here's what you need to know before refinancing... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Are you considering buying a new home or investment property in the near future? Buying a home is a major investment no matter how you look at it. But for many home buyers, it's even more complicated and costly than it needs to be because of blind spots where they are lacking critical information--information that can literally make or break their chances of buying their dream home or add tens of thousands of dollars in unnecessary costs or countless hours wasted in fruitless activity. It's crazy! Home buyers are, in many cases, making the biggest investment of their lives without any step-by-step road map for success. In response to this obvious need, we've decided to create a brand new home buyer guide titled, "15 Home buyer Mistakes And How To Avoid Them". We don't have time to get into all fifteen of them now, but here's one BIG mistake you MUST avoid... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Have you ever wondered how some people can have big incomes but they still stay stuck in the rat race with little money left over at the end of the month? Yes, chances are they have a spending problem. But there's something even deeper at play that most people don't realize. Here's one of the many important financial lessons we should be taught in school but aren't... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Ok, today we’re going to talk about what you need to know BEFORE you break out of your mortgage. If you’ve been considering breaking out of your mortgage early, here are few things you need to consider… If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

We’ve all heard about the wealth accumulation rule called “pay yourself first”.But billionaire Sir John Templeton had an even more powerful idea called the 50/50 rule. Here's the Billionaire Wealth Secret... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

You may wonder how relevant “billionaire advice" is when you’re working hard just to cover the bills. But the truth is many rich people started out poor, and the financial skills they learned along the way helped them achieve great wealth. Here are 7 billionaire tips you can take to the bank… If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Have you ever wondered if it’s better to pay off your credit card debt instead of building your savings account? Regardless of your current circumstances, here are a few things to consider… If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Please forward this to anyone you care about who has filed for bankruptcy... Many Canadians find themselves bogged down with a bad credit rating for the wrong reason -- illness, losing a job, or simply not understanding consumer credit. Sometimes bad financial situations happen to good people and bankruptcy is the only way out. But it's not all doom and gloom -- there are a number of strategies for putting your credit back on track and getting approved for a mortgage, even after bankruptcy. Going from one financial institution to the next, only to be declined again and again can be very frustrating, which is where an experienced mortgage consultant on your side can make all the difference. Here are 10 factors to consider... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

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 a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

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 a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

I'm not a financial advisor, nor am I an expert in investing, but in these turbulent economic times it's more important than ever to discuss this important and controversial topic... Even today, both mutual funds and real estate still offer investment potential. Wondering which is better? Here are a few things to consider.... If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.

Ok, today we are going to venture beyond the usual “money” topic, and talk about your health… Did you know that just 20-30 minutes aerobic exercise a day actually increases brain health and function? Regular aerobic exercise—like walking—is a proven way to increase cardiovascular health. There’s evidence that walking may also reduce symptoms of mild cognitive impairment, sometimes called vascular dementia. Here’s how to walk your way to a better brain… If you're looking for a top-notch Mortgage Broker in Greater Vancouver, Fraser Valley and Whistler, BC/Canada, call us at (778) 878-5350.