Client First Mortgage Solutions

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.

August is a wrap ☀️➡️🍂Summer is officially winding down, and you can already feel the shift, more listings starting to p...
09/01/2026

August is a wrap ☀️➡️🍂

Summer is officially winding down, and you can already feel the shift, more listings starting to pop up, more buyers re-entering the market, and things slowly picking up again heading into fall.

This month was really about getting ahead of that shift, talking about preparation, credit, budgeting, and what it looks like to get mortgage-ready before things get busy again in September.

Because once the fall market fully kicks in, things tend to move a bit faster.

If you used August to get organized, you’re in a great spot heading into the next season. And if not, there’s still time to get ahead before the pace changes again.

September is where planning turns into action.

What are our clients saying about us? Here is another five-star review Client First Mortgage Solutions is proud to share...
08/31/2026

What are our clients saying about us?

Here is another five-star review Client First Mortgage Solutions is proud to share!

Fall has that “fresh start” energy 🍂Even though it’s not the beginning of the year, it still feels like a reset, routine...
08/28/2026

Fall has that “fresh start” energy 🍂

Even though it’s not the beginning of the year, it still feels like a reset, routines come back, homes feel cozier, and a lot of people start thinking about what they want to change or improve before winter.

For some, that’s finally getting serious about buying a home. For others, it’s upgrading, downsizing, or getting their mortgage in better shape. And sometimes it’s just getting organized and feeling more in control financially.

There’s no right version of a “fall goal,” it just depends on where you’re at right now.

What’s your biggest home goal for this season?

Your maximum mortgage isn’t just a simple income x rule, it’s a combination of a few key factors that lenders use to ass...
08/28/2026

Your maximum mortgage isn’t just a simple income x rule, it’s a combination of a few key factors that lenders use to assess affordability.

They start with your gross income, then factor in your housing costs (like mortgage payments, property taxes, and heating), as well as any other debts you carry.

From there, they apply debt ratio guidelines (GDS and TDS) to make sure your monthly payments stay within a manageable range.

Interest rates also play a role in the calculation, which means your maximum approval can shift depending on market conditions.

That’s why two people earning the same income can end up with very different approval amounts, because it’s not just about income, it’s about the full financial picture.

If you’re curious what your actual maximum purchase price looks like, it’s always worth getting a personalized breakdown.

If you’re thinking about applying for a mortgage this fall, your credit is one of the most important things to review ah...
08/27/2026

If you’re thinking about applying for a mortgage this fall, your credit is one of the most important things to review ahead of time.

Lenders use it to help assess risk and determine what you qualify for, so even small details can make a difference.

This doesn’t mean your credit has to be perfect, but it does mean it should be accurate, stable, and in a good place before you apply.

Things like credit card balances, payment history, and even small reporting errors can all impact your overall profile.

The goal over the next few weeks isn’t to overhaul everything, it’s to clean things up, reduce surprises, and give yourself the strongest position possible going into a mortgage application.

A bit of preparation now can make the approval process a lot smoother later.

Mortgage refinancing is when you replace your current mortgage with a new one. That new mortgage can come with different...
08/26/2026

Mortgage refinancing is when you replace your current mortgage with a new one.

That new mortgage can come with different terms, like a new interest rate, payment structure, or amortization period, depending on your goals.

People usually refinance for a few main reasons. Sometimes it’s to secure a better rate. Other times it’s to access home equity for renovations or larger expenses. It can also be used to consolidate higher-interest debt into one payment.

But it’s not something to do automatically.

There can be costs involved, like penalties for breaking your current mortgage early, so the timing and numbers need to make sense overall.

When used strategically, refinancing can improve your financial situation, but it should always be based on your specific goals, not just what’s available.

A good example of why timing can matter 👀This client had been watching the market earlier in the year but didn’t feel ru...
08/25/2026

A good example of why timing can matter 👀

This client had been watching the market earlier in the year but didn’t feel rushed to make a move in the spring or summer. Instead, they decided to wait and revisit things in the fall when they felt more ready.

By the time fall listings picked up, they were in a stronger position, more clarity on budget, pre-approval in place, and a better understanding of what they actually wanted in a home.

That combination made a big difference.

Instead of trying to figure everything out in a fast-moving market, they were able to move with intention when the right property came up.

And in the end, the timing lined up well with both their readiness and the opportunities available.

It’s not always about rushing in, it’s about being ready when the right moment shows up.

Your job history plays a bigger role in mortgage approval than most people expect. It’s not just about how much you earn...
08/23/2026

Your job history plays a bigger role in mortgage approval than most people expect.

It’s not just about how much you earn, it’s also about how stable your income looks over time.

Lenders typically want to see consistency. That can mean steady employment in the same role or industry, or at least a clear pattern of reliable income.

If you’ve changed jobs recently, it doesn’t automatically hurt your chances. What matters is the type of change:

📌 Moving to a similar role or higher income can be viewed positively
📌 Gaps in employment may need explanation
📌 Frequent changes in different industries can require more review

Self-employed income is looked at differently again, usually focusing on longer-term consistency through tax returns.

The key takeaway is this: stability matters as much as income.

If your job situation has changed recently and you’re thinking about buying, it doesn’t mean you’re out of the running, it just means timing and structure matter more.

Second mortgages sound intense, but they’re actually pretty straightforward once you break them down.A second mortgage i...
08/22/2026

Second mortgages sound intense, but they’re actually pretty straightforward once you break them down.

A second mortgage is exactly what it sounds like: an additional loan taken against your home, on top of your existing mortgage.

It lets you access some of your home equity without refinancing your first mortgage.

People use second mortgages for different reasons, home renovations, consolidating higher-interest debt, or sometimes covering large expenses.

But there are a few things to understand:

📌 It’s a separate loan, often with a different rate
📌 Rates are usually higher than your primary mortgage
📌 You’ll have two payments instead of one

It can be a useful tool in the right situation, but like anything tied to your home, it’s something you want to think through carefully.

If you’re considering one, it’s worth looking at how it fits into your overall financial picture before moving forward.

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11933 224 Street
Maple Ridge, BC
V2X6B2

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