Mortgages by Connie Fan

Mortgages by Connie Fan Licensed Mortgage Broker with Mortgage Architects - Team Borle. I help first time home buyers, purchases, renewal, refinances and reverse mortgage.

Fluent in English, Cantonese & Mandarin. Making home financing simple and stress-free! After relocating from Hong Kong to Vancouver, I personally experienced how frustrating and overwhelming the mortgage and home-buying process can be for newcomers. Even with my professional background, I faced unexpected challenges, unclear rules, and plenty of “I wish I had known this earlier” moments. That expe

rience changed my perspective and became my motivation - being a licensed Mortgage Broker. Today, I’m passionate about helping newcomers, first-time buyers, and anyone who feels puzzled by mortgages or the home purchase process. I understand the hiccups, the stress, and the uncertainty, because I’ve been there myself. My goal is to break things down, make the process easier to understand, and help you make informed decisions with confidence. If you’re feeling stuck, frustrated, or unsure where to start, you’re not alone—and you don’t have to figure it out by yourself.

06/06/2026

I get asked almost every day:

“Will mortgage rates go down?”
“Will rates go up?”

I wish I had a crystal ball! 🔮

Instead of trying to predict the market, I usually ask:

“How do you feel about your current mortgage payment?”

Too much?
Just right?
Or could you comfortably pay a bit more?

The right mortgage strategy isn’t about guessing rates, it’s about finding a payment that works for your life and your goals.

Let’s chat and find the option that makes sense for you.

06/03/2026

I wish all buyers know that!!!

Got your mortgage approved?

EXCITING! I know!! But just don’t celebrate too early.

I’ve seen buyers:
- Finance a new car
- Max out credit cards
- Change jobs
before the mortgage funded

…and suddenly their mortgage is at risk before closing.

Your approval is only the beginning.

Before possession day, talk to your mortgage broker before making any major financial moves.

If you don’t have one, talk to me!

05/22/2026

Separated or divorced?
Receiving child support or spousal support?

Most people don’t know this…
Those payments may actually count as INCOME for your mortgage qualification.

Even child care benefits can help in some cases.

And yes! separated clients may qualify as First-Time Home Buyers again

There are so many mortgage strategies people miss.

That’s why you need to find a mortgage broker to lay out the options for you!

Talk to me. Let’s see what benefits you qualify for.

05/14/2026

Why do so many buyers try to keep the purchase price under $1M????

Because crossing that line can change the mortgage category completely.

✅ Under $1M → buyers may access insurable mortgage rates
✅ Lower rates = lower monthly payments
✅ More affordability = potentially more buyers interested

3 types of mortgages: insured, insurable and uninsured
Not all lenders offer all of them!

Sometimes a small price adjustment can make a BIG financing difference.

If you’re selling, understanding buyer financing psychology matters too.

DM me anytime about your mortgage strategy!

05/07/2026

Renewal in 2026 is not what it used to be.

I’m seeing more clients going from ultra-low rates like 1.99%… to today’s reality, and the payment jump is real.
On top of that? Many are carrying credit card balances at 20%+.

That combination can feel heavy fast.

The good news: you usually have more options than you think…but timing and strategy matter.

If your mortgage is renewing this year and you’re wondering:

“Can I handle the new payment?”
“Should I deal with my debts first?”
“What are my options?”

Let’s talk before you sign anything.

Comment “RENEWAL” below and I’ll send you the current market analysis!

05/05/2026

New build completing soon?

Lately, we’re seeing appraisals come in lower than the purchase price.

If that happens, don’t panic. You still have options.
The key is preparing before your completion notice arrives.

DM me and I’ll walk you through exactly what to expect

No rate changeThe Bank of Canada held the policy rate at 2.25% today (Apr 29, 2026).If you have a variable-rate mortgage...
04/29/2026

No rate change

The Bank of Canada held the policy rate at 2.25% today (Apr 29, 2026).

If you have a variable-rate mortgage, nothing changes (for now).

But here’s what still matters:
• Global tensions → could push inflation higher
• Government buying mortgage bonds → helps keep fixed rates competitive
• Fixed vs variable = driven by different factors

Markets are moving behind the scenes… even when rates aren’t.

DM me if you want to know what this means for your mortgage

There’s so much information out there when buying your first home… but how do you know what’s actually right? I’ve been ...
04/27/2026

There’s so much information out there when buying your first home… but how do you know what’s actually right?

I’ve been there too as a first-time home buyer, it can feel overwhelming, with different advice coming from everywhere and no clear answer on what’s fact.

That’s why I focus on helping my clients cut through the noise and understand what truly fits their situation. Not just options, but clarity.

So grateful to be part of this journey and to receive reviews like this ❤️

If you’re feeling lost in the process, you’re not alone and you don’t have to figure it out by yourself.

04/22/2026

New bed this weekend
Declutter didn’t fix it 😂

We might need more space 👀

Thinking the same? DM me

04/11/2026

Want to help your kids buy a home without sacrificing your retirement? Here’s a real-world example:

Jason wanted to help his son buy a house, but didn’t want to drain his savings or move. By using a reverse mortgage, he unlocked $325,000 in tax-free equity! 💸

*$200,000* went to his son’s down payment.
*$125,000* funded Jason’s renovations and retirement travel.

The best part? Jason stays in the home he loves, and his son becomes a homeowner!

Curious if this could work for you?

Comment “INFO” below and I’ll DM you my free Reverse Mortgage Product Sheet!

**

Address

Vancouver, BC

Telephone

+16723807858

Website

Alerts

Be the first to know and let us send you an email when Mortgages by Connie Fan posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Mortgages by Connie Fan:

Shortcuts

Share

Category