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Category: Qualifying

First Time Home Buyer, Insurance, Qualifying

OFSI Mortgage Rule Changes effective January 1st 2018

The Most Recent OSFI Mortgage Rule Changes On Tuesday October 17 the Bank of Canada announced they will proceed with the implementation of a stress test for all uninsured mortgages. An uninsured mortgage is where the down payment is more than 20% down, has no default mortgage insurance and includes refinancing. The stress … Continue reading OFSI Mortgage Rule Changes effective January 1st 2018

October 19, 2017October 22, 2017Best mortgage rate, cmhc, Equity, mortgage default insurance, Mortgage rule changes, strategy

Product, Qualifying

Options for Business for Self

If you are “business for self”, your best bet in saving you money on taxes is with a professional chartered accountant. You know this already, and we know this - as we are in business owners too. But when you are purchasing a home or wanting to use equity in your home; be careful how … Continue reading Options for Business for Self

May 9, 2017March 12, 2019income declaration, mortgage qualifying, preapproval, self employed

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Crystal was a huge help when we were buying our first home. She took the time to explain everything in detail and also made sure we understood all of the options that were available to us. Crystal was able to find us the lowest rate and overall it was a painless process. I am grateful she was recommended to us and I look forward to working with her for our future needs.

Hillary

Danielle and her company were great through out the whole home buying process! She answered all of me and my partners questions and was very considerate. She always made us feel comfortable and went out of the way to make the process smoother. I would highly recommend her to anyone who is starting their home buying process.

Anthony

It was an absolute pleasure dealing with Crystal throughout the whole process. She is very knowledgeable and able to explain everything clearly and concisely. She was very accessible and returned calls promptly. I highly recommend Crystal and will definitely use their brokerage firm again. She was able to secure a very competitive rate for us with many terms not offered by the large banks. Thank you Crystal for making Carson’s first-time home buying experience such a great one!!

Tannis

Working with Danielle was effortless and seamless because of her professionalism, contacts, knowledge, attention to detail and integrity. Highly recommended!

Anne

Working with Crystal was a dream, they made the process of buying my first home so easy! I cannot imagine the work they did behind the scenes to make my dream a reality.

Chayse

I have purchased and sold may properties in US and Canada. We have worked with a few different mortgage brokers and they were all very good at what they do but so far Danielle Franke is the best. She is very responsive and was available 24/7 in each and every step of our mortgage process. She made whole process very smooth. There were no delays. We got keys to our new home on time. I would definitely recommend her.

Udit

Crystal stepped me through seamlessly!

Mike

Danielle, you made the financing a breeze under very tight time constraints, took the best route for me with $ and interest rates, too! Your services are valued and appreciated. Know it.

Kathryn

Crystal was amazingly helpful and very genuine about wanting to find the best mortgage to suit our needs, now and also in the next year or so when we want to sell.

I’m not the best at understanding this money stuff, and I really appreciated her patience in making sure I understood everything.

She was a pleasure to work with and her service is second to none.

We would definitely recommend her to anyone looking to get a mortgage or renew one.

Gord and Michelle

There are a lot of people dealing with challenges right now, but having to renew our mortgage during a global, work-from-home pandemic certainly wasn’t anything we were anticipating. Dani and Crystal made this process simple and straight forward, and helped us identify the product/lender that would best meet our needs. If they can provide this type of service remotely, I can’t imagine how great they must be in person! Thank you!

Alastair and Patricia

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