“‘How did you go bankrupt?’ Two ways. Gradually, then suddenly.” -Ernest Hemingway Going into bankruptcy is no fun. But sometimes it happens, and if it does, it’s important to understand what you can do to minimize its impact on your life once you’re discharged. When it comes to getting a mortgage after bankruptcy, all is...
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Automatically renewing your mortgage is simple and convenient but not always the best option. Read on to learn about the advantages of working with lenders other than your bank and why you shouldn’t take your bank’s mortgage renewal. What does it mean to renew your mortgage? When you get a mortgage with a lender your...
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There are many reasons you may want to refinance your mortgage. Such as getting a lower rate, shortening the amortization, changing between adjustable, variable or fixed rates, and more. No matter your motivation to refinance your mortgage, you have to weigh the costs and benefits of doing so. Let’s explore some of the reasons you...
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Are you considering your next mortgage move? Here are the mortgage 101 basics that you need to know to make the best decision. Amortization period The amortization period refers to the number of years it will take to pay off your mortgage through regular payments. Most mortgages are amortized over 25 years, but they can...
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A mortgage broker or agent manages the process for you by applying for loans with different lenders to find the best solution and product while negotiating terms. In the old days, when getting a mortgage, you would probably walk into your bank and ask for a mortgage, and if you were offered a mortgage, you’d...
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