Over   the past several years, we have seen significant changes to the way that lenders qualify borrowers applying for mortgages – with each change making the mortgage qualification process progressively more challenging.    The latest proposed change for January 1st, 2015 would see existing unsecured debt payments (credit cards, lines of credit, etc) calculated using 3%   […]

Your Age, life stage and need for access to funds and what you already have invested all play a roll in determining the best plan for you. If you have specific questions regarding your senerio The Angela Calla Mortgage Team is here to help and our service is free and without bias. Contact us at 604-802-3983 or […]

Take a peak at Vancouvers most expensive listings here in Nov 2014 Courtesy of Vancouver Buzzfeed. http://www.vancitybuzz.com/2014/11/vancouver-real-estate-novembers-expensive/ Mortgage Questions? Contact The Angela Calla Mortgage Team 604-802-3983 callateam@dominionlending.ca    

Here is a comparison to see what the price differences are in different regions.   http://www.news1130.com/2014/11/20/how-much-do-you-stand-to-save-by-living-in-the-burbs-a-breakdown-by-the-minute/#.VG4O3moOz3E.twitter   Contact The Angela Calla Mortgage Team 604-802-3983 callateam@dominionlending.ca

Biggest takeaways A balanced approach will result in financial success. Think of what you can manage not how much you can get. Each pay period should include a portion to go to savings from when canadians start working. http://globalnews.ca/news/1674660/the-biggest-money-mistakes-canadians-make/ Questions to ensure yoiu have the best mortgage plan? Contact The Angela Calla Mortgage Team 604-802-3983 or […]

Selling your current home and   moving into a new one can be stressful enough, let alone worrying about your   current mortgage and whether you’re able to carry it over to your new home. Porting enables you to move to another property without having   to lose your existing interest rate, mortgage balance and […]

Collateral charge mortgages are also known as the mortgage that marries a borrower to one lender. Click here to watch a video from the Globe and Mail’s Rob Carrick that discusses collateral charge mortgages and what borrowers need to know about this option.  Questions on the best mortgage for you, call The Angela Calla Mortgage Team directly […]

More than one in eight adult Canadians will declare bankruptcy or negotiate a debt settlement – consumer proposal – with creditors. That’s a lot of people with devastated credit. The majority of those people will want a mortgage at some point, but they’ll find their options are limited. Following the credit crisis, funding shrank for high-risk […]

FORMER US FED CHAIRMAN CAN’T GET A MORTGAGE. Anyone remember this guy?  Ben Bernanke.   He’s just the former Chairman of the US Federal Reserve Bank. He served two terms from 2006 to 2014.   Earlier this month, he revealed that he was declined for a mortgage refinance.  Now, just to put this in perspective, he used […]

When you deal with a lender directly for a mortgage this article below is the norm. Most clients though are unaware of how different lenders calculate thier penalties and we always work to show you the lowest exit cost for the mortgage you end up selecting from the choices presented. http://www.cbc.ca/news/canada/edmonton/td-bank-client-devastated-by-17-000-mortgage-penalty-1.2790108 Angela Calla Mortgage Team 604-802-3983 […]