News

Tips For Getting a Mortgage if You’re Self-Employed

When it comes to securing a mortgage, self-employed individuals often face additional challenges compared to traditional employees. Lenders may view self-employment as riskier due to fluctuating income and less straightforward financial documentation. Lets go over some tips to help you navigate the mortgage process application and make securing your mortgage as straightforward as possible! First, […]

Revamping Your Property Tax Payments with the Tax Instalment Payment Plan (TIPP)

Imagine a world where your property tax bill doesn’t loom over you like a financial storm cloud at the year’s end. Enter the Tax Instalment Payment Plan (TIPP), your ally in financial planning. This program transforms the daunting task of paying property taxes into a manageable, bite-sized process. Why Choose TIPP? The TIPP Advantage: The […]

Top 5 Things to Consider When Refinancing Your Mortgage

Refinancing your mortgage can be a beneficial financial move, but it may not align with everyone’s long-term goals. Let’s go over the top 5 factors you need to be taking into consideration when refinancing your mortgage. 1. Interest Rates – Current Rates Vs Your Existing Rate: Compare the current market rates with the rate on your existing […]

Understanding the Role of a Co-Signer 

When you’re trying to get a mortgage, you might hear the term “co-signer” come up. A co-signer is someone who agrees to share the responsibility of the loan with you, meaning they’re also on the hook if things go wrong. Their financial details, like credit score and income, help make your application look better, which […]

The Benefit of Rate Holds.

Being on the path to purchasing your first home is one of the most exciting and most rewarding moments in life! To help make the mortgage process smoother, one of the things you can do is to get pre-approved for your mortgage. Getting pre-approved doesn’t commit you to a single lender, but it does guarantee […]

Closing Costs – The Real Numbers You Need to Budget For.

Buying a home is one of the most exciting ventures in life! To ensure it goes smoothly, you need to have a proper budget in place to protect your financial security and help you make the best decision for your future location. However, the cost of the home is not the only cost that you […]

Affording That Home Renovation.

Is your home in desperate need of an upgrade? Are you dying to renovate your bathroom, kitchen, or other space but not sure how to fund this renovation project? Did you find a home you’d like to buy but it needs work? We’ve got good news! When it comes to covering the costs of renovating, […]

Mortgage Rates: Finding Your Ideal Match with Our Help

When it comes to purchasing a home, one of the most critical factors to consider is the mortgage rate. Mortgage rates play a significant role in determining the overall cost of homeownership and can have a lasting impact on your financial well-being. However, navigating the complexities of mortgage rates can often feel like deciphering a […]

Going From a Variable Rate to a Fixed Rate Mortgage.

With the anticipation of rates going down, some homeowners may be considering switching from a variable-rate mortgage to a fixed-rate mortgage to lock in their next term. Switching from a variable-rate mortgage to a fixed-rate mortgage can offer stability in your monthly payments, protecting you from potential interest rate hikes, along with some other benefits: […]

Proven Strategies To Lower Your Interest Rate.

Lowering your interest rate can save you money over the life of a loan or credit card. Here are some proven strategies to help you accomplish that: By implementing these strategies, you can potentially lower your interest rate and save money in the long run. Don’t forget to check with your DLC Mortgage Expert also […]

Proudly Rated 5/5 Stars by Our Clients

Five Stars

“I just wanted to take a moment to write a quick testimonial regarding the service I received from Charlene Elliot throughout my home buying process. Everything went great! I must say that there were times when it looked a little shady due to me being a contractor and the banks not totally in love with my “short term work status”, however Charlene went HARD to get me approved. I had a very small deadline and she pushed the banks hard and was able to get me in on time, and trust me it really looked to be an unachievable date, and wasn’t looking good for me, it was stressful and Charlene kept me in the loop at every minute of the whole ordeal. I was recommend to go to Charlene by another friend that had also been done well by her, and I will always say that she’s a hard worker and I will always recommend her as well. I’m very glad I chose Charlene to help me out (and not just because of the delish brownies she had sent to my house afterwards, hah!) Brass Tacks: All around great friendly service that may be hard to find one to compare. Thanks” Charlene.

Cory Chafe; Fort McMurray, Alberta