September will forever mean back to school but this year September means the start of school for our 5 year old. Entry into Kindergarten is very, very exciting. Despite the challenges of transitioning from full time child care to the school year calendar and a new before/after school care, the difference between the 2 monthly […]

The variable and short term rates look so attractive! The question is – Can you sleep at night? How long do you plan to stay in your home? Answering these questions will help you decide what term to choose. Mortgage rates don’t always change when lending rates go up or down but often they do. […]

It’s a simple question, but there isn’t always a  simple answer. It really depends on 2 things: How much of a down payment do you have? What mortgage payments can you afford? A bank will use additional criteria to evaluate whether they will lend you money to buy a home including calculating your net worth, checking your […]