Mortgage Kamloops - Sarah Park

Mortgage Kamloops - Sarah Park Helping clients secure the right mortgage with expert advice and personalized service.

Based in Kamloops, Sarah Park offers trusted guidance for homebuyers, refinances, and property investments.

Helping your kids buy a home doesn’t always mean handing over a large down payment. 🏡Parents may be able to help by:• Gi...
08/07/2026

Helping your kids buy a home doesn’t always mean handing over a large down payment. 🏡

Parents may be able to help by:

• Gifting a down payment
• Co-signing the mortgage
• Purchasing the property together
• Using equity from their own home
• Helping their kids find a home with rental income

Every option comes with different responsibilities, risks and lender requirements, so it’s important to understand the details before deciding what works best for your family.

I’ve explained five of the most common options in my latest blog.

Check out the full blog here: https://mortgagekamloops.com/can-parents-help-their-kids-buy-a-home-in-2026/

Have questions about helping your kids purchase a home? Send me a message and I’d be happy to walk you through the options.

Getting mortgage-ready doesn’t have to feel overwhelming. It starts with a plan.I’ll help you understand your budget, re...
08/06/2026

Getting mortgage-ready doesn’t have to feel overwhelming. It starts with a plan.

I’ll help you understand your budget, review your credit profile, organize the documents you’ll need, and prepare for the mortgage application process. Whether you’re buying your first home or planning your next move, taking these steps early can make the process smoother and help you move forward with confidence.

Message me today, and let’s get you mortgage-ready.

The lowest mortgage rate isn’t always the mortgage that will save you the most money. 🏡A mortgage is about more than the...
08/04/2026

The lowest mortgage rate isn’t always the mortgage that will save you the most money. 🏡

A mortgage is about more than the rate. Before choosing an option, it’s also important to consider:

• Penalties for breaking the mortgage early
• Prepayment privileges
• Portability if you move
• Refinancing restrictions
• Payment flexibility

A slightly higher rate with better features and lower penalties could end up being the better choice—especially if your plans change before the end of your term.

I explain what to look for in my latest blog.

Check out the full blog here: https://mortgagekamloops.com/why-the-lowest-mortgage-rate-isnt-always-the-best-choice/

Comparing mortgage options? Send me a message and I’d be happy to help you look beyond the rate.

Your credit score isn’t just about paying your bills on time. Credit utilization plays a big role too.If you’re using a ...
08/04/2026

Your credit score isn’t just about paying your bills on time. Credit utilization plays a big role too.

If you’re using a large percentage of your available credit, it could affect your credit score and, in turn, your mortgage options. I’ll help you understand where you stand, explain how credit utilization works, and create a plan to strengthen your credit profile before you apply for a mortgage, refinance, or renewal.

Message me today to find out how your credit profile could impact your mortgage options.

Need some extra breathing room?A 40-year amortization can help lower your monthly mortgage payment and create more flexi...
08/01/2026

Need some extra breathing room?

A 40-year amortization can help lower your monthly mortgage payment and create more flexibility in your budget.

For some buyers and homeowners, that lower payment can make a big difference — especially when cash flow matters.

It’s not the right fit for everyone, but it can be a helpful option depending on your goals, down payment, and mortgage plan.

Curious if a 40-year amortization could work for you? Let’s chat.

Most people think they have to wait until their mortgage term ends before they can make a change. The truth is, refinanc...
07/30/2026

Most people think they have to wait until their mortgage term ends before they can make a change. The truth is, refinancing may be an option sooner than you think, depending on your mortgage and financial goals.

Whether you’re looking to access your home equity, consolidate debt, fund renovations, or simply explore your options, I’ll help you understand what’s available and whether refinancing makes sense for your situation.

Message me today to see if refinancing is the right move for you.

Summer often brings the biggest shifts to a household’s finances, think renovations, vacations, or a move, yet most mort...
07/28/2026

Summer often brings the biggest shifts to a household’s finances, think renovations, vacations, or a move, yet most mortgage plans stay untouched until renewal.

A mortgage doesn’t have to sit still just because the season changed. If summer’s brought new plans for you, it might be worth checking whether your mortgage still fits them.

Curious where things stand? Reach out, I’m happy to take a look with you.

Does it actually help to talk to a mortgage broker before you’re ready to buy or refinance? Yes, and the timing matters ...
07/24/2026

Does it actually help to talk to a mortgage broker before you’re ready to buy or refinance? Yes, and the timing matters more than people think. If I already know your financial picture, I can move fast when it counts instead of starting from a blank file the moment a deadline shows up.

Home purchases and renewals move on tight timelines, sometimes just days between an accepted offer and a financing deadline. When I already know your situation, you walk into that moment with paperwork started and questions already answered, instead of meeting me for the first time under pressure.

Waiting until you need a broker means starting from zero at the worst possible time.

Message me today, before the clock is ticking on anything.

Comparing lenders sounds simple until it means separate applications, separate paperwork, and separate credit checks wit...
07/22/2026

Comparing lenders sounds simple until it means separate applications, separate paperwork, and separate credit checks with every single one. Nobody actually wants to do that.

Here’s something most people don’t realize: several lenders in Canada don’t have branches at all and only work through mortgage brokers. So going bank to bank on your own doesn’t just take longer, it actually means missing options you’d never even see.

I do the legwork across multiple lenders so you don’t have to have the same conversation five different times.

Message me and let’s skip straight to the good options.

Six times in a row now, the Bank of Canada has held its policy rate at 2.25 percent. Same decision, but the backdrop kee...
07/17/2026

Six times in a row now, the Bank of Canada has held its policy rate at 2.25 percent. Same decision, but the backdrop keeps shifting. This latest hold comes as the economy shows signs of picking up, while oil prices and trade policy uncertainty continue to weigh on the outlook.

If you’re on a variable rate, this means things stay steady for now. If you’re coming up on a renewal, this is the kind of update worth paying attention to, since the next decision could land differently. And if you’re on a fixed rate, nothing changes until your term is up, but that doesn’t mean it’s a bad time to start thinking ahead.

Headlines like this are easy to scroll past. What they actually mean for your mortgage is a different question, and it’s one I can help you work through.

Call or message me and let’s talk through what this rate hold means for you.

Address

820 Seymour Street
Kamloops, BC
V2C2H5

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

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