Archive for Elizabeth Blair

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This article was written by Elizabeth Blair, a Licensed Mortgage Agent with Mortgage Edge in Richmond Hill, Ontario. Elizabeth services mortgage clients in Mississauga and all over the Greater Toronto area. You can contact Elizabeth directly by phone at (905) 510-5785 by email at eblair@mortgageedge.ca or you visit her website at: www.missmortgage.ca Elizabeth is licensed with the Financial Services Commission of Ontario and is also a Member of IMBA (the Independent Mortgage Brokers Association of Ontario) www.imba.ca Lic # M08005880 Brokerage Lic # 10680. Head office is located at: 15 Wertheim Court, Suite 210, Richmond Hill, Ontario, Canada.

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How can I maintain a good credit score?

What is your credit rating score? If you don’t know, you are at risk of being refused credit, paying higher interest rates or being considered a high risk by banks, employers or others who have access to credit rating files.
If you have a credit card, a line of credit or a car loan, you [...]

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February 4th, 2009 | Elizabeth Blair | 0 comments | Continued
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Canadian government federal budget to help the housing industry

Anxious Canadians have waited to see how our government would tackle a monstrous world economic crisis and its spill-over effects into Canada.  It was a year ago, in January 2008, that some economists optimistically announced Canada would experience some pain however we would be immune to any kind of recession here.   As the mouse slept [...]

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January 28th, 2009 | Elizabeth Blair | 0 comments | Continued
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The financing clause in home purchases

If you have been through the process of purchasing a home, you may have remembered a clause, at the back of your purchase agreement, that states something like this:
“ This offer is conditional upon the Buyer arranging financing within FIVE (5) banking days from acceptance of this Offer.”
Sometimes the financing timeframe is extended beyond five [...]

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January 26th, 2009 | Elizabeth Blair | 0 comments | Continued
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Making homes energy efficient

Protecting our environment and reducing the amount of energy we use has become a very important priority to many Canadians. With the added pressure of rising energy costs, assessing our own use of energy, around the home, is a great way to obtain much needed savings.
As I began to explore my own use of energy, [...]

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December 8th, 2008 | Elizabeth Blair | 0 comments | Continued
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Value in Home Improvements

As we move into 2009, you may be thinking about those spring-time projects that you will need to tackle, like landscaping the garden, rebuilding a patio or fence, changing older windows and doors, a new roof, or even remodeling your basement, kitchen or bathroom. If you tune in to some recent popular TV programs like [...]

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December 2nd, 2008 | Elizabeth Blair | 0 comments | Continued
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How can you get a copy of your own credit score?

Here is a question, I sometimes get asked…how can I get a copy of my credit report?
If you are applying for a mortgage, a loan, a credit line, or are seeking to rent a property, your credit report will be accessed and reviewed by the person or the institution where you are applying. If you [...]

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November 17th, 2008 | Elizabeth Blair | 0 comments | Continued
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Useful Links for Home Buyers

Tired of navigating through countless websites to find the exact information that you need? I am too, so I decided to put together a list of useful links that you can use yourself. The subject areas covered are: buying a home and mortgage loan insurance premiums, information on the Ontario land transfer tax and refund, [...]

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November 16th, 2008 | Elizabeth Blair | 0 comments | Continued
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What exactly is mortgage loan insurance?

As a first time home buyer, you may have heard that you may have to pay a mortgage insurance premium. You will have to obtain mortgage loan insurance when you purchase a home and if your downpayment is LESS than 20%. Remember that lenders do reserve the right to insure your mortgage even if your [...]

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October 27th, 2008 | Elizabeth Blair | 0 comments | Continued
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Watch That Mortgage Renewal Statement

Watch your mortgage renewal statement and ensure your renewal does not sneak up too quickly or you will not have time to negotiate the best deal !
Did you know that your current lender must send you a renewal statement at least 21 days before the end of your mortgage term. I suppose that lenders wait [...]

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August 8th, 2008 | Elizabeth Blair | 0 comments | Continued
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Lending guidelines are about to get tougher in Canada

This is hot news, and probably something you want to know if you are saving for your first home in Canada. There is important news unfolding straight from our federal government, Department of Finance. Lending guidelines in Canada are going to tighten up and for some, it will be harder to enter into the housing [...]

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July 10th, 2008 | Elizabeth Blair | 0 comments | Continued
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