http://www.advancedmortgage.ca/Sabrina

Sabrina Theriault, mortgage Broker Associate, Cochrane, AB (2026)

01/05/2022

Think getting a mortgage pre-approval will hurt your credit score?

First, you should know how different types of credit checks impact your score.

▪️"Soft" inquiries, or those that don't come with a loan or credit offer attached, have a negligible effect on your score. Employers use soft inquiries to help make determinations about hiring, and you might make such an inquiry to look at your current score.

▪️"Hard" credit inquiries usually follow a request for credit. Additional lines of credit or added monthly expenses your ability to repay debts, which is why hard credit inquiries will decrease a credit score.

✳Mortgage pre-approvals fall under a special rule. Lenders and credit analysts understand the importance of rate shopping on a large purchase. If you have several lenders making inquiries within a two week time span, all of those credit checks are lumped together and only counted negatively once as a “soft hit.” This allows you to apply for a pre-approval from several lenders, without worrying about the impact on your credit score.✳

Checking credit for the purposes of obtaining a mortgage is also considered much more favorable than applying for a personal loan or a credit card, because a mortgage is tied to a real-estate asset which usually increases in value over time.

Bottom line
– you’ve got nothing to lose! Call me today and let’s get you pre-approved.

Sabrina Theriault
Mortgage Broker Associate
Advanced Mortgage Associate
587-888-6574

11/27/2021

Did you know there are lenders that allow us to use CCB (CANADA Child Benefit) as part of your qualifying income?

This helps you maximize your purchasing power!

When I’m taking an application it’s definitely one of the first questions I ask to ensure we are getting your full buying potential.

The BIG 5 banks will only allow CCB to make up a certain percentage of the overall household income. We have access to lenders that will let you use the full amount regardless of how much other income you have.
This is just one of the reasons why…. using a Mortgage Broker can get you more buying power!

*Children need to be 13 and under to use CCB income

Sabrina Theriault
Mortgage Broker Associate
587-888-6574
[email protected]
Advanced Mortgage and lending solutions

10/16/2021

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 Friday🍷🍷........How is your credit calculated

Sabrina Theriault
587-888-6574
Mortgage broker associate
Free advice

No one knows the exact algorithm the credit agencies use, but we do know the basics of how your credit score is determined. This is what we know:
* 𝗣𝗮𝘆𝗶𝗻𝗴 𝗼𝗻 𝘁𝗶𝗺𝗲 𝟯𝟱%
* 𝗧𝗵𝗲 𝗮𝗺𝗼𝘂𝗻𝘁𝘀 𝘆𝗼𝘂 𝗼𝘄𝗲 𝟯𝟬%
* 𝗛𝗼𝘄 𝗹𝗼𝗻𝗴 𝘆𝗼𝘂’𝘃𝗲 𝗵𝗮𝗱 𝘆𝗼𝘂𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝟭𝟱%
* 𝗥𝗲𝗰𝗲𝗻𝘁𝗹𝘆 𝗼𝗯𝘁𝗮𝗶𝗻𝗲𝗱 𝗰𝗿𝗲𝗱𝗶𝘁 𝟭𝟬%
* 𝗧𝘆𝗽𝗲𝘀 𝗼𝗳 𝗰𝗿𝗲𝗱𝗶𝘁 𝘆𝗼𝘂 𝗵𝗼𝗹𝗱 𝟭𝟬%

The two most important things to do to maintain your credit are:
* 𝗔𝗹𝘄𝗮𝘆𝘀 𝗽𝗮𝘆 𝘆𝗼𝘂𝗿 𝗯𝗶𝗹𝗹𝘀 𝗼𝗻 𝘁𝗶𝗺𝗲, 𝗮𝗻𝗱
* 𝗠𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗼𝘄𝗲 𝘁𝗼𝗼 𝗺𝘂𝗰𝗵 𝗿𝗲𝗹𝗮𝘁𝗶𝘃𝗲 𝘁𝗼 𝘆𝗼𝘂 𝗰𝗿𝗲𝗱𝗶𝘁 𝗹𝗶𝗺𝗶𝘁𝘀.

It’s also important to make sure you have a least two accounts that have been active for 2 years or more. Contact us today and we’ll help you navigate any credit questions you might have.

09/10/2021

What is the difference between mortgage brokers vs going to a bank?

Let's break that down.

1. We don't work for an institution.

First and foremost we don't work for an institution! We work for you!.

2.We can access alternative lenders.

You can't access on your own or through your institution.

3. We are experienced and licensed.

We need to renew our license every year!.

Reach out! Give me a call and will explain all others 99 reasons.!

Sabrina Theriault
Mortgagebroker associate
Advanced mortgage
587-888-6574

08/29/2021

Mortgage Payment Options

When you purchase a property and take on the responsibility a mortgage, you will need to make regular payments on it. How much and how often you pay depends on which payment frequency option you choose.

In Canada, you can choose from
· $ Monthly
· $ Bi-weekly
· $ Accelerated Bi-weekly
· $ Weekly
· $ Accelerated Weekly

🏡The most popular payment options are monthly, bi-weekly, and accelerated bi-weekly. Accelerated payments can help you pay down your mortgage faster and save thousands of dollars on interest over the life of your mortgage. It’s important to make sure your lender offers great payment terms to allow you to maximize your interest savings.

To understand how these options can save you money, call me today!

Sabrina Theriault
Mortgage broker Associate
Advanced Mortgage 587-888-6574
[email protected]

08/12/2021

Time ! Time! Time!

6 reasons to get pre-approved

1. It carries more weight than a “pre-qualification”.

A pre-approval differs from a pre-qualification. A pre-qualification can be useful as an estimate of how much you can afford, but a pre-approval means someone has reviewed your overall file including income and credit documents.

2. You’ll know how much house you can afford.

Getting pre-approved before you begin house hunting allows you to know how much house you can realistically afford.

3. It adds clout to your offer.

In many markets, homes attract more than one offer. If the sellers are weighing one offer against another, they may lean towards the one accompanied by a pre-approval letter.

4. It could increase your negotiating power.

In addition to strengthening your offer when compared to buyers who haven’t taken this step, getting pre-approved may give you the upper-hand when negotiating the price.

5. It saves time.!!!

Obtaining a mortgage is a lengthy process. Getting pre-approved ahead of time shortens the time between contract to close.

6. Without it, most real estate agents won’t work with you.

If you were in their shoes, wouldn’t you want assurance that your hard work would lead to a favorable outcome for both you and your client?

To start your pre approval process
587-888-6574
Or email
[email protected]

Mortgage broker Associate
Advanced Mortgage

08/05/2021

Keeping your money in one place is vital to a mortgage transaction. Cash to close and savings post closing escrow become critically important to sealing the deal.

3 bank statements 🏘

In general term..
Lenders want to see at least 3 months of mortgage statements without cash deposits and without large movements of money ..

Moving money around in different accounts may raise concerns for suspicious activity with home mortgage banks. Lenders these days must be able to document the paper of funds on each and every loan made.

Create A Paper Trail

best avoid lending condition surrounding money movement, be prepared to show the full statements statements of the monies leaving each account.

Trying to get a mortgage? Start today by connecting with me

Sabrina Theriault
Mortgage Broker Associate
Advanced Mortgage
587-888-6574
[email protected]

08/02/2021

MortgageAdvice
...Questions you should ask your mortgage professional.

"𝙃𝙚 𝙬𝙝𝙤 𝙖𝙨𝙠𝙨 𝙖 𝙦𝙪𝙚𝙨𝙩𝙞𝙤𝙣 𝙧𝙚𝙢𝙖𝙞𝙣𝙨 𝙖 𝙛𝙤𝙤𝙡 𝙛𝙤𝙧 𝙛𝙞𝙫𝙚 𝙢𝙞𝙣𝙪𝙩𝙚𝙨. 𝙃𝙚 𝙬𝙝𝙤 𝙙𝙤𝙚𝙨 𝙣𝙤𝙩 𝙖𝙨𝙠 𝙧𝙚𝙢𝙖𝙞𝙣𝙨 𝙖 𝙛𝙤𝙤𝙡 𝙛𝙤𝙧𝙚𝙫𝙚𝙧." ~ 𝘾𝙝𝙞𝙣𝙚𝙨𝙚 𝙋𝙧𝙤𝙫𝙚𝙧𝙗 ~

1. Which lender is best for my financial situation?
2. What interest rate will I qualify for?
3. Is there an origination fees?
4. What are the “hidden costs”?
5. Can you provide me with a loan estimate?
6. How large should my down payment be?
7. Is a fixed rate the best option for me?
8. Is there a penalty fee for prepayment?
9. Can you guarantee that my closing will be on time?

Whatever the question may be, we are here to help you everystep of the way.

Sabrina Theriault
587-888-6574
Sabrina Theriault, mortgage Broker Associate

07/17/2021

Continuing on my mortgage tip,

it's a good practice not to use your credit for anything out of the ordinary between the time you're approved for your mortgage and when you actually close on the home.
Lenders will generally pull your credit at least twice -- when you originally apply and shortly before closing (as happened in my situation). If there are any significant differences between the two, such as a new account or a significantly higher debt balance, it could lead to delays and could even disqualify you for the mortgage. Be safe --

just leave your credit alone until you've signed your closing documents.

As a mortgage broker I am here to
remind my client 🧡.

Sabrina Theriault
Mortgage broker Associate
Advanced mortgage
587-888-6574
[email protected]

587-888-6574

06/23/2021

What is the difference between mortgage brokers vs going to a bank?

Let's break that down.

1. We don't work for an institution.

First and foremost we don't work for an institution! We work for you!.

2.We can access alternative lenders.

You can't access on your own or through your institution.

3. We are experienced and licensed.

We need to renew our license every year!.

Reach out! Give me a call and will explain all others 99 reasons.!

Sabrina Theriault
Mortgagebroker associate
Advanced mortgage
587-888-6574

06/15/2021

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 .....Down Payments ☕

~ 𝙏𝙝𝙚 𝙖𝙢𝙤𝙪𝙣𝙩 𝙤𝙛 𝙢𝙤𝙣𝙚𝙮 𝙥𝙪𝙩 𝙪𝙥 𝙛𝙧𝙤𝙣𝙩 𝙖𝙨 𝙖 𝙡𝙪𝙢𝙥-𝙨𝙪𝙢 𝙥𝙖𝙮𝙢𝙚𝙣𝙩 𝙬𝙝𝙚𝙣 𝙮𝙤𝙪 𝙗𝙪𝙮 𝙖 𝙝𝙤𝙢𝙚. 𝙏𝙝𝙞𝙨 𝙖𝙢𝙤𝙪𝙣𝙩 𝙞𝙨 𝙙𝙚𝙙𝙪𝙘𝙩𝙚𝙙 𝙛𝙧𝙤𝙢 𝙩𝙝𝙚 𝙤𝙫𝙚𝙧𝙖𝙡𝙡 𝙥𝙧𝙞𝙘𝙚 𝙤𝙛 𝙩𝙝𝙚 𝙝𝙤𝙢𝙚, 𝙩𝙝𝙚 𝙗𝙖𝙡𝙖𝙣𝙘𝙚 𝙤𝙛 𝙬𝙝𝙞𝙘𝙝 𝙞𝙨 𝙘𝙤𝙫𝙚𝙧𝙚𝙙 𝙗𝙮 𝙖 𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙡𝙤𝙖𝙣 ~

Do you know your options and requirements needed based on the price the home you would like to purchase?

We are here to help! Reach out to our knowledeable mortgage specialists to help you every step of the way!

Sabrina Theriault
587-888-6574
Mortgage Broker Associate.
[email protected]
Advanced mortgage and lending solutions

06/01/2021

Thank you for this review, that is the best part of this awsome job!!!!

Sabrina Theriault, mortgage Broker Associate

01/05/2022

11/27/2021

10/16/2021

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