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Client First Mortgage Solutions Unbiased Mortgage Information and Advice. Providing our Friends, Family, and Clients with interesting articles from the mortgage/real estate industry
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We Cater to your Unique Needs! Steve D’Souza and Nathan Isherwood are the founders of Client First Mortgage Solutions Inc. Year over year; they have steadily grown the team in order to provide a greater breadth of services to their clients. They have done mortgages across Canada, but are mostly concentrated in the Lower mainland. There is always a time and place to meet one of our mortgage brokers face to face or online at your convenience. Client First Mortgage Solutions Inc. can assist with not only a tailor made mortgage, but also with other financial products, such as Property and Personal Insurance and Commercial, Residential, and Private Financing. They can also assist with banking products through their affiliate lending partners, such as debt consolidation loans, Lines of Credit or credit cards. “Where the Client Comes First!” isn’t just a catch phrase at Client First Mortgage Solutions. We believe in a higher level of service before, during and after the home financing experience to create a lifelong relationship with our clients. believes in giving back to the community and is involved with many charitable organizations such as Friends in Need Food Bank and the Ridge Meadows Hospital Foundation. They are also involved in raising scholarships and bursaries for local high schools. They have sound relationships with a diverse group of leading lenders. This means more options and better rates for you as home buyer/owner. The connections that Client First Mortgage Solutions Inc. has made with industry leading companies and individuals makes them logically the first and last call in the home buying and financing process. Whether you are looking to refinance to take advantage of low rates, renew a current mortgage, purchase a new home or just thinking of buying in the future, call us first! We look forward to guiding you through this experience.

If your credit score isn’t where you want it to be, the best time to work on it is before you’re ready to apply for a mo...
10/17/2026

If your credit score isn’t where you want it to be, the best time to work on it is before you’re ready to apply for a mortgage.

And no, you probably don’t need some complicated “credit hack.”

Start with the basics:

📌 Pay every bill on time
📌 Work on bringing down credit card and line of credit balances
📌 Avoid taking on unnecessary new credit
📌 Check your credit report for mistakes
📌 Give those changes time to show up

How quickly your score improves depends on what’s bringing it down in the first place. Some changes may show up relatively quickly, while rebuilding after missed payments or other credit issues can take longer.

That’s why looking at your credit several months before you want to buy is so helpful. You have time to figure out what actually needs attention instead of trying to fix everything at the last minute.

Planning to apply for a mortgage in the next year? Send us a message and let’s figure out where you stand now.

October nights are getting colder 🍂And this is the time of year when home starts to feel a little different.Maybe it’s t...
10/17/2026

October nights are getting colder 🍂

And this is the time of year when home starts to feel a little different.

Maybe it’s turning the fireplace on for the first time, pulling out the extra blankets, making something warm for dinner, lighting a favourite candle, or having everyone home on a chilly evening.

Sometimes it’s the smallest things that make a space really feel like home.

So, what’s yours? What’s the one thing that makes your home feel extra cozy this time of year?

Your mortgage renewal letter lands in your inbox. Signing it is easy. But you don’t have to. The offer from your current...
10/16/2026

Your mortgage renewal letter lands in your inbox. Signing it is easy. But you don’t have to.

The offer from your current lender is just that: an offer. Renewal is actually a good opportunity to look at your mortgage again and decide whether it still works for you.

Before you sign, take a look at the rate being offered, the term, prepayment privileges, penalties, and any other features that matter to you. Then compare those with what else may be available.

You may decide to negotiate with your existing lender. You may find another lender that’s a better fit. Or you may look around and realize your current offer actually is the right choice.

The point isn’t that you should always switch. It’s that you should know your options before committing to another term.

Renewal coming up? Send us a message before you sign and let’s see what else is on the table.

A good income doesn’t automatically mean a mortgage approval. Your income is important, but it’s only one piece of what ...
10/15/2026

A good income doesn’t automatically mean a mortgage approval.

Your income is important, but it’s only one piece of what lenders look at when deciding how much you can borrow.

They’re also looking at things like:

📌 Your credit history and how you manage debt
📌 Your current monthly debt obligations
📌 Your down payment and where the funds came from
📌 Your employment history and income stability
📌 The property you’re purchasing
📌 Your overall debt ratios

It’s why two people earning the exact same salary can qualify for very different mortgage amounts.

Mortgage approval is really about the whole financial picture, not one number on your paycheque.

If you’re thinking about buying, looking at all of these pieces early can help you understand where you stand and what you might want to work on before applying.

Send us a message and let’s take a look at your numbers.

Congratulations to H. Y. who is the winner of a $35 Gift Card! Question: What do you call a male turkey?A. TomB. Gobble...
10/09/2026

Congratulations to H. Y. who is the winner of a $35 Gift Card!

Question: What do you call a male turkey?

A. Tom
B. Gobbler
C. Jake
D. All of the above

Answer: D. All of the above

Interesting Facts: “Tom” is the standard term used for an adult male turkey. Gobbler is another common name, referring to the male’s distinctive gobbling call. And “Jake” is used when referring to a juvenile male turkey, typically under one year old.

Your Friends in the Mortgage Business
Steve D'Souza and Nathan Isherwood

Your credit score can feel like this mysterious number that goes up and down for no apparent reason… but there’s actuall...
10/06/2026

Your credit score can feel like this mysterious number that goes up and down for no apparent reason… but there’s actually a lot happening behind it 👀

Things like paying your bills on time, how much of your available credit you’re using, how long you’ve had credit, and recent credit applications can all play a role.

But here’s something people often get wrong: your income isn’t part of your credit score.

You could earn a great salary and still have poor credit, or have a more modest income and an excellent score. They’re two separate pieces of your financial picture.

And when it comes to getting a mortgage, lenders look at more than that three-digit number. Your income, debts, down payment, and overall ability to manage the mortgage matter too.

If buying is on your radar and you’re not sure where your credit stands, send us a message. It’s much better to find out early when there’s still time to make changes.

When people hear that interest rates have gone up or down by 1%, it doesn't always sound like a big change.But when it c...
10/05/2026

When people hear that interest rates have gone up or down by 1%, it doesn't always sound like a big change.

But when it comes to a mortgage, that difference can have a real impact on how much home you can afford.

Here's a simple example.

Let's say you've budgeted $2,500 per month for your mortgage payment.

If interest rates are lower, more of that payment goes toward paying down the mortgage balance, which may allow you to qualify for a higher mortgage amount.

If rates increase by 1%, more of your monthly payment goes toward interest instead. That often means qualifying for less, sometimes by tens of thousands of dollars, depending on your income, down payment, amortization, and other financial factors.

Example for illustration only.

It's important to remember that interest rates are only one piece of the puzzle.

✨ Your income matters.
✨ Your existing debts matter.
✨ Your down payment matters.
✨ Your mortgage term and amortization matter.

That's why two buyers with the same budget can end up qualifying for different mortgage amounts.

Understanding your buying power before you start shopping can help you set realistic expectations and make more confident decisions.

What’s the biggest homebuying misconception you had before working with a mortgage broker?Maybe you thought you needed a...
10/03/2026

What’s the biggest homebuying misconception you had before working with a mortgage broker?

Maybe you thought you needed a 20% down payment. Or that the bank was automatically your best option. Or that pre-approval meant your financing was guaranteed.

There’s a lot of mortgage advice floating around, and not all of it applies to every buyer.

Drop yours in the comments. We are curious what surprised you most once you actually started the process.

When was the last time you actually looked at your full financial picture? 👀Fall is a great time for a check-in. There’s...
10/02/2026

When was the last time you actually looked at your full financial picture? 👀

Fall is a great time for a check-in. There’s still plenty of the year left to make changes, but you’re also close enough to year-end to start thinking about what you want the next 12 months to look like.

Take a look at your savings, debt, credit, monthly spending, and any big financial goals you’ve been working toward.

And if buying a home, renewing, refinancing, or making a move is somewhere on your radar, now is a good time to see how those numbers line up with that goal.

You might realize you’re closer than you thought. Or you might find one or two things you can work on over the next few months.

Either way, knowing where you stand gives you something much more useful than guessing: a place to start.

If a mortgage goal is part of your plan, send us a message and we can look at what your next steps could be.

If you've built equity in your home, you may have heard about two common ways to access it: a Home Equity Line of Credit...
09/29/2026

If you've built equity in your home, you may have heard about two common ways to access it: a Home Equity Line of Credit (HELOC) or a mortgage refinance.

While both use your home's equity, they aren't the same thing.

A HELOC works like a revolving line of credit. You can borrow money as you need it, up to your approved limit, and only pay interest on the amount you've borrowed.

A refinance, on the other hand, replaces your existing mortgage with a new one. Depending on your situation, it may allow you to access some of your home's equity as a lump sum while updating your mortgage at the same time.

The right choice depends on your financial goals, how much money you need, and whether you want ongoing access to funds or a one-time amount.

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11933 224 Street
Maple Ridge, BC
V2X6B2

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