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Welcome to MORTGAGE TAILORS, I have over 15 years experience

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Pre Approvals

By Cindy Janisch

Pre Approval vs Pre Qualified?   There are lots of different banks and lenders advertising quick pre approvals that will save you time. But, I have come across several clients that have had issues with the numbers that they qualify for from an on-line app.   This is what a good mortgage associate would offer … Continue reading Pre Approvals

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Bank of Canada Qualifying Rate 4.84%

By Cindy Janisch

If you have recently been pre approved for a mortgage you should re visit the approval process. The bank of Canada has increased the benchmark qualifying rate to 4.84%.  What does this mean?  If you have a mortgage that is considered High Ratio and is insured with CMHC, then you must now qualify using the … Continue reading Bank of Canada Qualifying Rate 4.84%

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Breaking a Mortgage Contract

By Cindy Janisch

Breaking a Mortgage Contract If you must break the term and payout your mortgage earlier than you agreed to on your Mortgage Contract you will be subject to a payout penalty. Breaking the Mortgage Agreement Read your mortgage contract or contact your lender to find out if you can break the contract. Different lenders have … Continue reading Breaking a Mortgage Contract

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Accredited Mortgage Professional

By Cindy Janisch

Here are some reasons why you want to work with a Mortgage Broker who is an Accredited Mortgage Professional.

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Bad Credit Mortgage?

By Cindy Janisch

Sometimes the things we can not change end up changing us. There are many ups and downs in life and even if you have gone through a rough patch you can still examine your options when it comes to a Bad Credit Mortgage. While you might be in a bad situation, with financial stress and various collectors calling you, there might be some options to relive that stress with an Equity takeout.

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Increase to CMHC premiums

By Cindy Janisch

What is the Insurance fee that is on your mortgage? Who is CMHC, Genworth and Canadian Guarantee?

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©2017 Cindy Janisch, Mortgage Associate