Sierra Adolphe - Sierra Mortgages 4 U - Keystone Mortgage Corp.

04/11/2024

The Bank of Canada will now allow a 30-year amortization period for First-Time Home Buyers (FTHB) on new construction. Additionally, FTHBs can now increase their RRSP withdrawal limit to $60,000.

The Canadian government will allow 30-year amortization periods on insured mortgages for first-time homebuyers purchasing newly built homes.

03/18/2024

If you have excellent income and credit, and have the means to borrow your down payment, then this program presents an awesome mortgage option for you.

Contact me for more details:

Sierra Adolphe
[email protected]
587-712-0500

03/12/2024

To qualify for a second home mortgage, borrowers must demonstrate sufficient income and debt management. The minimum down payment is 5% for the first $500,000 and 10% for any amount above that. Both a strong credit score and income are necessary, with a higher down payment compensating for lower credit scores. It's crucial to differentiate between purchasing for personal use versus investment, as investment properties require a different mortgage type.

02/26/2024

For those relocating to Canada who wish to acquire a home, build equity, and establish themselves economically, the New to Canada Program offers this opportunity.

If you or someone you know is interested in qualifying, please reach out to me at 587-712-0500.

02/22/2024

Today I am thankful to be visiting my sister in Ontario. My children are having a wonderful time playing with their cousins!

02/19/2024

There are several insured programs that can help people into homeownership. This program is great for borrowers that found a home that just needs some updating.

02/15/2024

Thankfully Thursday!

I am thankful for children who help me clean and a laundry machine that makes the job a lot quicker and easier!

02/12/2024

If your down payment is less than 20%, you’ll have a high-ratio mortgage, meaning it will be insured by one of Canada’s mortgage default insurers. These insurers facilitate homeownership for many by providing tailored products and services, enabling individuals to become homeowners sooner.

Over the upcoming weeks, we will explore the diverse array of programs tailored to meet the needs of various borrowers.

02/09/2024

Thankful Thursday!

Today I am thankful that I was able to take my kids skiing for the first time!
We had perfect weather, which was an answer to prayer.

02/05/2024

Maximize your mortgage rate by understanding the crucial factors, including property use, credit score, and debt-to-income ratio.

Contact me today to learn how you can take control of your financial profile to secure a lower interest rate and mortgage terms that work for you.

587-712-0500
[email protected]

02/01/2024

Thankful Thursday!

I am thankful for my brokerage. The wealth of knowledge from these two amazing women is so encouraging! .mortgage.corp