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Number One First Time Home Buyer Myth: Did you know you can hold your pre-approval rate for up to 120 days? Its a great benefit if you want to first know what your budget is before going out into the market and seeing what is available for you. Being a First Time Home Buyer isn't always a scary thing! There are a ton of Incentives & Rebates for First Time Buyers making it a bit easier. Check out the list below and book a call with me to discuss what you qualify for! A Mortgage Stress Test is a calculation done by all federally-regulated lenders when applying for a new mortgage, switching lenders, or refinance your mortgage. This "test" aims to ensure that home buyers can offset their mortgage expenses in the event of an increase in interest rates or other negative future events like the loss of employment. Have you recently been pre-approved for a mortgage & not satisfied with the amount you are being offered? You're not alone. Housing prices are constantly going up and qualifying for a mortgage is becoming more difficult. Happy Hump Day!
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