Bill: Most brokers are available pretty much 24/7. I meet my clients either at my business office, or if they’re tired, then I’ll drive down to their office. Sometimes they have young children, or they have a sickness in the family, or there might be more than one couple involved; maybe mom or dad or…

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That is a great question. The Smith Maneuver was invented by a gentleman named Fraser Smith, from Victoria, who set the program up back in the 80’s down on Granville. He is a financial strategist and he realized that people who were making more money than common folks, were taking advantage of the fact that…

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Bank lending requires income verification to actually qualify for a mortgage. So when they qualify for a mortgage, we’re talking like 90% to 95% financing, so that’s 5% or 10% down. The larger the down payment, the wider range of lenders they can use, so they can get someone else to approve the mortgage and…

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You can always get pre-approved; as a matter of fact, it’s important to get pre-approved. I’ll give you some ideas why it’s so important to get pre-approved. You need to know the price range you’re in. A client could be out shopping, looking around, been on the web, driving around to all the open houses,…

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You probably want to know that you don’t need an appraisal if you put less than 20% down because the mortgage is insured by CMC. That mortgage is insured so you don’t need to do that. They do what they call an electronic appraisal. In the old days it used to cost you, but now…

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