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Welcome to Go Columbia Financials and Mortgages Inc – Your Trusted Mortgage Broker in British Columbia!

12/25/2024

Merry Christmas and Happy New Year

12/12/2024

Lets connect today.

12/11/2024

Lets connect today.

12/09/2024

Perhaps you’ve been wondering...

Do you need to pay off other loans before applying for a mortgage?

Not necessarily! You can still apply for a mortgage if you have other loans, but clearing your debts can improve your chances.

Having no outstanding loans increases the income available for mortgage payments, boosting your affordability. However, if you have high credit card balances or loans, this can limit the amount you’re allowed to borrow. As your local mortgage advisor, I can help you run an affordability check to determine exactly how much house you can afford before you start shopping. 💰✨

For more info, message me today!

11/25/2024

Self employed? Yes, you CAN still get a mortgage!

Being self-employed can make the mortgage process tougher because many lenders aren’t experienced with complex incomes. Without the typical 9-5 job and three months of payslips, you might get labeled a ‘complex case’ and rejected. That’s totally unfair, right?

But don’t worry—it’s definitely not impossible! As your local mortgage advisor, I have access to specialized loan programs that are custom-tailored for business owners. All you need is bank statements showing your cash flow and you’re good to go! 💪✨

For mortgage info, message me today. 😊

11/20/2024

I’m on the lookout for an outstanding real estate lawyer who not only excels in their field but also has a genuine passion for their work. I’m seeking someone who delivers 5-star service and consistently upholds the highest standards of integrity.
Do you know anyone who fits this description? Please tag them in this post and share a brief note about why you believe they are one of the BEST lawyers around!
Let’s take this opportunity to spotlight those amazing professionals who truly deserve recognition and help build some valuable connections along the way.
Have a favourite lawyer you work with who really shines? Tag them in the comments below and let them know! 💬✨

11/18/2024

What’s a “Reverse Mortgage" and what are the PROS and CONS?

A reverse mortgage is a financial instrument that allows senior home owners
(age 55 or older) who are typically equity rich but cash poor to turn their equity
into spendable cash (monthly installments, lump sum, line of credit).

A reverse mortgage can be a POSITIVE thing if you're planning on remaining in
your home for a long time -- they allow for a tax deduction, and give you more
cash to ease your transition into retirement.

A reverse mortgage can be used to pull equity out of your home when you don't
have enough income to qualify for a second mortgage. You can use this equity to
help children get into the housing market, pay off credit cards, purchase a
vacation property, purchase investments or just simply remove the stress of
making ends meet.

Like a credit card, a reverse mortgage can be a valuable tool in the right
situation, but it's essential to understand what you're signing up for and the risks
it presents.

As your local mortgage advisor, I can help you (or a family member) navigate
through the process and weigh in on the pros and cons.

For more info, message me today! 📲

11/15/2024

May you receive the divine blessings of Guru Nanak on this Auspicious occasion.

11/14/2024

Thinking about buying a house? Here are 5 things that impact your buying power:

1. Carrying too much debt
2. Poor credit history or not enough credit history
3. Not enough income or assets
4. Not enough of a down payment (minimum 5% of purchase price)
5. Unstable employment history

Just like most things in life, it’s not what you KNOW that hurts you, it’s what you “know” that ain’t so! As your local mortgage advisor, I can help you build a plan to achieve your dream of home ownership, even if you have less than perfect credit.

For more info, message me today! 📲

11/13/2024

Investing in real estate is one of the most reliable ways to build wealth over time! Whether you’re dreaming of a rental property to generate steady income, a vacation home for short-term rentals, or a fixer-upper to flip, there are plenty of opportunities to make your money work for you. 💰📈

Here are a few reasons why investing in property could be a smart move:

1️⃣ Steady Cash Flow: Rental properties can provide a consistent monthly income that could help pay off the mortgage or even serve as a source of passive income.

2️⃣ Property Appreciation: Real estate tends to increase in value over time. This means that not only do you earn from rentals now, but your investment can grow in value for potential resale.

3️⃣ Tax Benefits: Property ownership comes with various tax advantages, including deductions on mortgage interest, property taxes, and even depreciation.

4️⃣ Building Equity: As you pay down the mortgage, you build equity in the property, giving you a valuable asset for future borrowing or investment opportunities.

5️⃣ Diversifying Your Portfolio: Real estate can be a great way to diversify your investments, balancing out more volatile assets like stocks.

Investing in real estate is a big decision, but with careful planning and the right property, it could be your path to financial freedom! 🌟

Ready to explore your options? Let’s chat about how to find the perfect investment property to meet your goals! 🗝️

11/09/2024

Honoring the courage, sacrifice, and resilience of those who served and continue to serve. Lest we forget.

11/06/2024

It’s not what we “know” that holds us back, it’s what we know that ain’t so!

With that in mind, let’s debunk 4 mortgage myths...

1️⃣ A high credit score will guarantee my mortgage approval. ❌

While having a high credit score is important for securing a mortgage, it's not the only factor lenders consider. ✅

2️⃣ I have to close all of my old accounts to increase my credit score. ❌

This strategy can actually harm your credit score rather than help it. ✅

3️⃣ A mortgage pre-approval guarantees my final approval. ❌

Not necessarily. Changes in your financial circumstances or issues with the property can affect the final approval. ✅

4️⃣ Fixed rates are always better than variable rates. ❌

While fixed rates offer more stability and predictability, there are scenarios where variable rates can be advantageous. ✅

There you have it. We just shattered 4 mortgage myths. If you didn’t know, now you know!

For more info on how to secure the best mortgage with the best rates and terms available, message me today! 💬

Address

601/2950 Glen Drive
Coquitlam, BC
V3B0J1

Telephone

+17787928170

Website

https://gopineapple.ca/rajbirsingh

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