Can my parents gift me my down-payment?

Yes, generally speaking, parents can gift you all or part of your downpayment towards your purchase. In order to satisfy lender conditions for accepting gifted…

What Does My Letter of Employment Need to Say?

In order to confirm your income and your employment, you will need to provide a letter of employment from your employer. This letter must…

What Is The Minimum Down Payment to Buy?

The minimum down payment varies depending on your purchase price and your intended use of the property.



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7 Tips For Improving Your Credit Score

Have you ever wondered how your credit score is calculated? What causes your score to go up or go down? Most Canadians have no clue. Over the years, I have seen hundreds of credit reports and put together a list of 7 tips to improve your credit score. WHY ARE CREDIT...

What Is An Interest Adjustment Date?

The interest adjustment date (IAD) typically falls on the 1st day of the month following your mortgage closing date.  The interest adjustment date is the period of time between the date the funds are advanced and the beginning of your first payment period.   Typically, this forms part of your closing costs but not in all cases.


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