AC The Mortgage Guy

04/30/2025

Annual golf tournament. DM for details

07/26/2023

"Are you looking to purchase a home using gifted funds? I can help! But there are a couple of things you’ll need to know…
1. Gifted funds should only come from immediate family members
2. There can be no expectation that the funds will be paid back.
3. The gifter will need to sign a letter stating the money is a gift.
Want more information on gifted funds or saving up for your downpayment? Give me a call. 403.710.3043

07/24/2023

Happy Monday, everyone! Hope you all have a fabulous day.

07/24/2023

In simple terms, a lien is a legal claim or hold that someone has on your property or assets as collateral for a debt or obligation you owe them. It means that if you don't fulfil your obligation, the person with the lien may have the right to take or sell your property to recover the owed amount. Once the debt is paid off, the lien is typically removed.
For example: A lien can be used when you take out a loan to buy a car or a house, and the lender places a lien on that property until you repay the loan in full.

07/20/2023

Mortgage insurance: Who really needs it and why?
If you’re purchasing a home with a down payment of less than 20%, you’ll likely be required to have mortgage insurance. Don’t worry, though. It’s actually quite common. It’s a method for lenders to protect themselves from risk of default.
If you’re looking to purchase and can’t quite get up to that 20% down, give me a call! Mortgage insurance could provide you with homeownership opportunities you hadn’t considered.
403.710.3043

07/18/2023

If you’re planning for retirement and still paying your mortgage, it’s a good idea to have a plan. Here are some of my favourite tips for paying your mortgage after retirement:

1) Shift your focus from investments to debt repayment
2) Consider a reverse mortgage to get access to extra cash
3) Downsize your home to save money
4) Talk to a mortgage professional

07/07/2023

Let's get planning! Give me a call to discuss your mortgage and financial goals. 403.710.3043

07/07/2023

An assumable loan allows buyers to take over the seller’s mortgage and keep its interest rate, remaining payment schedule and balance. This route can be a great way to secure a mortgage when rates are high or to bypass a higher qualifying rate.
Wondering if this is the right option for you? Give me a call! 403.710.3043

07/03/2023

07/01/2023

School's officially out and the summer has begun! Congrats to all who graduated this month and to every student ready to rock the summer!
#2023

06/28/2023

WHAT’S YOUR CREDIT SCORE???
DYK the optimal credit rating for mortgage approval is 680? While it can vary by lender the minimum is 600. If you’re thinking of purchasing a home, it’s important you know your credit score, and if it’s less than optimal, how to bring it up.
Here are five tips for improving your score. Need some help? Give me a call!
📞 403.710.3043
📩 [email protected]

06/25/2023

It's my favourite feeling in the world! Shopping for your next home? Give me a call first. I'll help you get the loan you need to close the sale. 403.710.3043