For First-Time Homebuyers and others who didn’t get the right advice:

• I am a member of the Mortgage Professionals Canada association. What is it? Why am I proud to be part of it?
• Top 34 Mortgage Experts Give Away Their Best Mortgage Tips (1 from me)
• The Top 10 mistakes that new home buyers make (From MoneySense)
• “I have to pay for that?” 11 unexpected costs when buying your first house
• A real life mortgage scenario calculator from The Globe and Mail, this is very good!
• Tips on power saving for down payment
• A very common question- Can I get the same artificially low rates on one of those rate sites?
• How many lenders do I work with and why would I choose one over another?
• How much does it cost to break a mortgage with the lenders I work with and the big banks?
• My large article explaining the process of working with me
• Why do I ask for documents upfront at time of pre-approval?
• My article on what other past first-time homebuyers would do if they could do it again
• This article looks at the suitability of the specific mortgage for you
• Your mortgage has been approved, all documents accepted… what next?
• Getting renovations priced into your mortgage
• The 5 most asked questions to real estate lawyers
• A young man is almost debt free by 31, this is how he did it
• Options for buying a home for your children when they go off to College or University in Canada
• Lower Home Insurance Costs: 16 Factors Used by Insurers to Evaluate You
• Five signs you are ready to take the home-buying plunge (from Globe and Mail)
• Great article on using 35% of your “Net Income” on housing and how to save up the down payment to hit your goal!
• Defaulting on a mortgage in Ontario:  The financial Institution standpoint by Ian Charlebois
• The Appraisal Institute of Canada has developed this guide to provide consumers with advice and guidance on how to effectively hire a professional appraiser to complete a property market value assessment. Typically, I as the mortgage advisor or the lender arrange the appraiser but this is what you should know happens.
• What you need to know about Title Insurance in Ottawa- Guest post from Michael Abrams
• Can you pay down your mortgage an extra $200 a month? Look inside to see what happens!

Mortgages 101:

• Buying a new home
• Mortgage Pre-Approval
• Your credit report
• Fixed vs Variable Rate
• What is the Right Term?
• Renewal time, what happens?
• Refinancing
• Self-Employed Solutions

Are you thinking about getting a mortgage with TD or National Bank or do you already have one?:

• Here is the CBC Marketplace episode showing how employees are handling collateral mortgages
• Why you should stay away from collateral mortgages
• Let me know if you have more questions about them, I worked at TD when they were introduced!

Random important mortgage articles to read:

• Capital gains when owing a principle residence and cottage
• What are your options if a life event has you in a bind to make your mortgage payment?
• Top 42 Financial Tips from MoneySense, with my comments
• An article about the referral fees given to realtors from banks
• Why fixed interest rates should soon fall
• Tax Implications on Condo Investing
• The importance of having a buyer’s representative on your side
• Top 10 Questions to help you avoid Mortgage penalty shock
• 10 Questions that every mortgage borrower should ask but don’t
• 10 Most commonly asked mortgage questions
• 11 steps to Rebuilding your credit 
• House Hopping is Keeping you Broke, and definitely NOT Making You Rich
• How to Get Paid by Your Bank to use their monthly accounts (Really Interesting idea!)
• 6 big home insurance misconceptions (from CBC)
• The income tax implications of selling U.S. Real Estate
• Should You Claim Capital Cost Allowance on Your Rental Property?

Podcasts with people you will need in this industry (30 Minute audio interviews)

• Home Inspector, Eric Ayotte
• Home Stager, Micheline Masson
• Chartered Accountant, Chris Finlay
• Financial Planner, Shane Currey
• Real Estate lawyer, Jennifer Ahde
• Interior Designers, Leclair Decor