Dominion Lending Centres Mortgage Excellence - Chase Cooper

Dominion Lending Centres Mortgage Excellence - Chase Cooper This page is all about offering as much financial advice and information as possible. We relate topics to savings, investing and, most important, mortgages!

The goal is to always secure the best mortgage for your needs every time!

Hard to believe this has happened....This was an extremely hard thing to do, especially when you don't know anything abo...
06/09/2026

Hard to believe this has happened....

This was an extremely hard thing to do, especially when you don't know anything about writing. Working through this story brought up alot of emotions and was extremely healing.

I am grateful for this group of men sharing their stories, I believe this book will help so many men AND women.

You can buy this now on Amazon!

Wow!Thank you to all my clients and to everyone else that is part of what I do. Of all the awards, this one means the m...
04/22/2026

Wow!

Thank you to all my clients and to everyone else that is part of what I do.

Of all the awards, this one means the most as it was unsolicited. You took time to vote for me, and that means so much.

I will continue to give the best advice I can and look forward to many more years of helping families.

04/16/2026

‼️Rate hold misconceptions‼️

If you lock a rate hold in, does that permanently become your rate, even if rates drop?

No.

A rate hold protects you from rate increases AND ensures your pre-approval limit holds.

What does that mean? If your pre-approval is close to your lending limit at a certain interest rate, then it could be compromised if rates go up. This is because a higher rate means higher payment.

For the rate hold, if rates drop by the time you find a home, you will get access to those lower rates.

☎️ 250-261-9151

⌨️ [email protected]

04/13/2026

URGENT!!!

Ok now that I have your attention. My house is for sale, it's in Carmelo park 1 so it is fantastic for families due to being in a cul de sac. It is close to the high school and tabbogan hill.

Highlights

- New roof 2024
- New windows upstairs 2025
- New paint throughout 2024
- real hardwood floors
- gas stove for those who love cooking
- 5 bedroom plus large storage room
- 2 bath
- pocket door ensuite

Contact my realtor Mark Holmes at 250-261-0607 for a viewing!

04/08/2026

Will we see rate relief?

Today we saw the bond yields plummet by 12 basis points on the news that there is a ceasefire and potential agreement to open the Strait of Hormuz.

Will this lead to potential rate drops? Possibly, if it actually holds true.

☎️ 250-261-9151

⌨️ [email protected]

03/18/2026

Rates and stuff.

02/17/2026

💥 Attention business owners!

Do you minimize your personal income to save income taxes?

Is this causing issues with getting the approval you want for your dream home?

We have good news!

One of our lenders has a great program that allows us to add back your amortization and NET business income (after taxes and dividends) to your personal income.

I have seen some clients gain an extra $200,000 to their qualifying income, without having to pay the taxes to actually show it personally.

If you or someone you know needs a program like this, let me know!

Criteria👇

1. Minimum 730 credit score
2. 20% down payment
3. 2 full years of company financials

☎️ 250-261-9151

⌨️ [email protected]

02/05/2026

Divorced series part 3.

You are receiving child support and looking to buy...now what?

As stated, the first step is getting the separation agreement done. But this doesn't mean we can jump into things, especially if we need to use the support payments to help us buy a home.

Lenders have a few requirements:

1. Must show consistent deposits, on time. 3-6 months depending on the lender (some exceptions can be granted).

2. Support payments cannot exceed 50% of the total income on the file.

Small bonus, child tax benefit can also be used as long as kids are 15 and under.

☎️ 250-261-9151

⌨️ [email protected]

02/04/2026

Divorced series part 2.

➡️ Spousal buyouts.

When buying out an existing with home equity. There are 2 ways to do this without selling.

1. Refinance. You can pull up to 80% of the home value on a refinance, so if you have enough equity to pay their part and not exceed this limit. You're good to go.

2. Spousal buyout- this program allows one person to essentially "buy" their partners half of the mortgage. This allows you to go up to 95% of the value. There are some requirements listed below to qualify.

A. Both people must be on title

B. A formally signed separation agreement must be included along with the amount of the buyout. You can also include debts if need be, but they must be outlined in the separation agreement.

C. An appraisal is needed, this will be ordered through the lender.

☎️ 250-261-9151

⌨️ [email protected]

02/03/2026

Divorce series part 1:

Step 1. You NEED a separation agreement finalized. This is the most important document if you are looking to buy your partner out, or if you are selling and needing to purchase again.

Lenders need to know if there is child support and/or alimony, which party is paying, and how much they are paying. If you receive it, we can add this back as income. If you are paying, this is added as debt onto your file.

A common question I get is, "Do we need this signed or drafted by a lawyer?" The short answer is no, it doesn't need to be. It just needs to be signed and witnessed. But that isn't to say you shouldn't seek legal advice (this is to cover my butt).

☎️ 250-261-9151
⌨️ [email protected]

Address

9519 100 Avenue
Fort Saint John, BC
V1J1Y1

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+12507857171

Website

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