In life, there can be moments that pass us by because we are not ready for them. Buying a house or refinancing to get a lower interest rate are 2 things that we regularly see our clients pursuing. Despite nearly all of our clients wanting both of these things, we inevitably have to tell some people they just aren’t ready. This makes us feel bad, so we’ve created a guide to help you navigate…
In home lending, there are generally 2 different types of entities you can get a loan from. The first is from a mortgage lender. The other is from a mortgage broker. When shopping for a mortgage, it is important to understand the strengths and weaknesses of both entities. Let’s dive right in by starting with some simple definitions. A mortgage lender is simply any financial institution that directly lends money out to borrowers for…
All roads lead to… somewhere. Just where is that somewhere? I’ve spent much of my life asking impossible questions. Around the age of 4 or 5, I remember being told something about what made a question good or bad. The premise is that if you think of a question, you should try to answer it yourself first. If you cannot answer it yourself, it is recommended you ask your parents. If they do not…
As we go through life, we are faced with different choices and decisions that bring great responsibility. Seemingly every day, these decisions can include planning for your own personal, mental, physical and financial care for today and into our future. Many people end up just making decisions for today and their long term health and well-being suffer because of this. Day in and day out, we’re always too busy to think about our healthcare…