In the loop: Are you feeling out of the loop with real estate news? Sign up for my monthly newsletter and get in the loop. This entertaining piece of wonderful literature keep me on the radar and you up to date with what’s shakin in the land of real estate.

NOA: An NOA (notice of assessment) is a blue document the government provides you once you complete your taxes. This document states how much you made the previous year after deductions, etc. If you are looking to make a real estate transaction and refinance your home, this is a document you are going to want available. If lost it could take weeks before the government sends you a new one.

Are you still renting: Many people don’t realize that owning your own home really isn’t that difficult. First off, I suggest attending one of my first home information seminars. Check out details at www.firsthomeinfo.ca and book a seminar today!

Good debt vs. Bad debt: Good debt is tax deductible and bad debt isn’t. Did you know that you can write off the interest on your mortgage if properly structured? If you take out a mortgage for a business transaction, it becomes tax deductible. Purchasing a rental property is considered a business transaction.

Refinancing: Is your current interest rate 5 % (percent) or higher? If so, it might be a good idea to chat with our team today. Did you know that we can even add any penalty or expenses onto the mortgage while still covering your lawyer and appraisal costs? We can also consolidate other higher-interest debt and save you thousands in interest expense. Refinancing is simply a numbers game, sometimes it works and sometimes is doesn’t.

Self employed: Are you self employed and curious how this effects your ability to obtain a mortgage? There are many tricks as a mortgage broker that allows us the opportunity to assist you. In many cases your income on paper is far less then actuality. We have programs for just this circumstance called Stated Income.