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Our 2016 Pledge To You.

  For most people, the purchase of a home is the single largest financial investment they will make. This means that the process can be very stressful without the right support. As a consumer, you have a lot of options when it comes to selecting the right team of real estate and mortgage professionals.  Surrounding yourself with experts who understand the market and industry ...

The best gift for your Holidays? Keep your credit history in shape!

Winter has already hit Canada, and we are approaching the Holidays very quickly.  With Holidays come the purchasing of presents and quite often credit utilization. As credit history is one of several main components of a qualifying for a mortgage, budgeting for the Holidays and, furthermore, not maxing out your credit can avoid negative surprises in 2016.  While building a budget, ...

How to Prepare Your House for Sale

  Prepping and staging your home for sale takes time and energy. Here are some practical pointers to help you prepare your house for sale.   Depersonalize: When staging your home it’s all about the imagination of the buyer. You want to help them picture their life in your home. The fundamental statement you want a buyer to make is “I can see myself living here” ...
Tags: Housing

The Future of the Reverse Mortgage

In the last couple of months, we have heard more and more about Reverse Mortgages. This post will help you have a better understanding of this product.   First, who can get a reverse mortgage? This kind of loan is available for homeowners that are 55 or older.   What is a reverse mortgage? A reverse mortgage allows you to get up to 55% of your home equity (home equity ...
Tags: Mortgage

The Ready to Move-In Home vs. the Requires More Work Home

Buying a home is a complex problem requiring you to ask numerous questions about your lifestyle. What is a good location? What neighborhood best suits you? What is your budget? What are your basic needs? What kind of home do you envision yourself in? A new sleek and modern home in a trendy neighborhood? Or a simpler house in a small neighborhood? And lastly, how much work do you want to put into ...

What You Should Know Before Buying a Home

Buying a home can be a daunting process. It is one of the biggest and most important financial decisions people make. It thereby is a process that requires time & effort to ensure you get the home you want for the right terms and price. Below are some of the top things you should know before getting into the housing market Career: Lenders want to see applicants in a stable career. This typically ...

Saving For a Down Payment?

Are you looking to get into the housing market? You’ve attended a few open houses and have been following the market for months, but now reality is setting in. A down payment will be necessary to buy your first home. Below are some of the top ways to save for a down payment. Scale down Your Lifestyle: Finding less expensive ways to do the things you enjoy, or foregoing ...
Tags: Mortgage Home

Renovations That Improve or Hurt Your Home's Resale Value

­ Want to renovate your home to better suit your lifestyle and also increase your home’s resale value?­­­ Here are some of the top renovations to increase the beauty and functionality of your home without hurting its resale value: ­ ­ ­ Bathroom Refurbish: Short of a full remodel, there are numerous subtle changes to a bathroom that will increase ...

What Goes Into Your Credit Score?

­Credit score is important when applying for a mortgage. Do you know all that goes into your credit score­­ ­Below is a list of the major components that make up Canadian’s credit score.­ ­ ­ ­ ­ ­1. Payment History­ Payment history is one of the most important aspects of an individual’s credit score. People are rated from ...

A sense of Family

We often hear about companies that strive to create a culture of welcome and support for their employees and customers.  Culture is perhaps one of the most challenging aspects of any business because it directly reflects on much more than just an employees experience.  It has a significant impact on the customer and their relationship with our brand. CENTUM is a part of the Charlwood Pacific ...
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