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Mortgage and Lending - Mark Fidgett -
All things about Real Estate and mortgage financing in Vancouver BC



  Ready to Buy? Making an Offer to Purchase Offer to Purchase: A written contract setting out the terms under which the buyer agrees to buy the home. If the Offer to Purchase is accepted by the seller, it forms a legally binding contract that binds those who have signed it to certain terms and co...
  How Can you Find the Right Home? Start the Search Vendor take back mortgage: This is when the vendor rather than a financial institution finances the mortgage. The title of the property is transferred to the buyer who makes mortgage payments directly to the seller. These types of mortgages, som...
  What Professionals Should You Call On? Because purchasing a home is probably the biggest investment you will ever make, you'll definitely want a team of professionals working with you throughout the process. The Real Estate Agent No one will play a more important role in helping you find a home...
  What Should You Buy? Your Current and Future Needs Before you start searching for a home, you need to think about your needs both now and in the future. Here are some things to consider: Size requirements. Do you need several bedrooms, more than one bathroom, space for a home office, a two-car ...
  How Much will it Really Cost? Once you have figured out the home price range you can afford and the type of mortgage you qualify for, you will need to calculate all of the associated costs of the transaction to make sure you are financially ready. Up-Front Costs You will need to plan ahead to c...
  Are you Financially Ready? Net worth: Your financial worth, calculated by subtracting your total liabilities from your total assets. Mortgage: A mortgage is a security for a loan on the property you own. It is repaid in regular mortgage payments, which are usually blended payments. This means t...
    Is Homeownership Right for You? Do you enjoy moving often? Do you prefer using your savings for such things as vacations, retirement or starting your own business? Do you enjoy not having to worry about regular maintenance and repairs?   Down payment: The portion of the home price that is not...
  What can I do if I suspect I am a victim of identity theft? Check your Equifax Credit Report on a regular basis to determine if there are any changes.When your credit or bank cards are lost or stolen: Keep a list of the names, account numbers and expiration dates of all your cards in safe place...
  How can I avoid being a victim of identity theft? You can limit the potential for fraud by remembering a few key tips:When using your credit cards: Carry only the identification and credit cards you need when traveling, whether locally or abroadDo not carry your cards in your chequebookIf your ...
  What can I do to improve my credit score? Pay all of your bills on time. Paying late, or having your account sent to a collection agency has a negative impact on your credit score. Try not to run your balances up to your credit limit. Keeping your account balances below 75% of your available cr...

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