Mortgage Blog

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Student Loans, Lines of Credit and Credit Card Debts: How They Affect Your Mortgage Qualification

Student Loans, Lines of Credit and Credit Card Debts: How They Affect Your Mortgage Qualification

September 8, 2017 | Posted by: Don Chen

It is inevitable to have debt these days. Most of us use some form of borrowed money, ranging from car loans, student loans, credit card loans, lines of credit and the biggest loan of all, a mortgage. ... [read more]

Why Use a Mortgage Agent? Well...Why Not??

Why Use a Mortgage Agent? Well...Why Not??

May 9, 2017 | Posted by: Don Chen

“Don, give me a few reasons why I should get a mortgage with you instead of with the bank?” That’s a question I get asked more than a few times.  I have simplified my answer to ... [read more]

Frequently Asked Questions

Frequently Asked Questions

April 20, 2017 | Posted by: Don Chen

This blog is all about the frequently asked mortgage questions from some of my friends and clients.  This will be the first of many more to come.  Make sure to shoot me a message with your m ... [read more]

Mortgage Qualification for First Time Home Buyer

Mortgage Qualification for First Time Home Buyer

April 1, 2017 | Posted by: Don Chen

2017 so far has not been the best year for first time home buyers, or for any buyers on that matter.  Toronto is facing one the the sharpest increases in home prices.  In Jan 2017, detached, ... [read more]

Mortgage/CMHC Insurance Explained

Mortgage/CMHC Insurance Explained

March 21, 2017 | Posted by: Don Chen

Mortgage insurance, mortgage default insurance, CMHC… You probably hear these words tossed around quite often, but do you know what’s the difference between them or are they all the same ... [read more]

Pros of Buying a Pre-Construction Condo

Pros of Buying a Pre-Construction Condo

February 22, 2017 | Posted by: Don Chen

So you are finally thinking about buying a home, and you start looking. The first challenge you will run into is, where am I gonna buy?  With the soar in home price in 2016 and another projected ... [read more]

Get a Credit Card Early and Manage it Well

Get a Credit Card Early and Manage it Well

February 10, 2017 | Posted by: Don Chen

“Use cash whenever you can and don’t rely on credit cards!”.  We all probably heard the advice from parents, friends or advisors, and though that is some solid advice there&rsqu ... [read more]

Know You Limit, Play within It...Sound Familiar?

Know You Limit, Play within It...Sound Familiar?

February 6, 2017 | Posted by: Don Chen

When it comes to purchasing a home, people often ask, “What is the maximum amount of mortgage I can qualify for?”.  Shopping for a home can be a very exciting experience, but it can a ... [read more]

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